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What do you buy the person who has everything? A gift card, maybe? Remember...those forgotten or misplaced gift cards from last Christmas may be silently wasting away, literally.

There are countless gift card retailers and a gift card can be the perfect present, however there are some things you should consider before buying that memorable card gift. There are gift cards issued by traditional financial institutions including:

• American Express Gift Cards
• Visa Gift Cards
• Discover Gift Cards
• MasterCard Gift Cards

The benefit of a bank issued gift card is that it may be used to purchase products and services online, in shopping malls or restaurants. Note also that most recipients are unaware of the ‘fine print' associated with some gift cards.

Some gift cards may have expiration dates. Some charge fees for non-use. Some charge monthly maintenance fees. Some even charge transaction fees to "buy the card" or fees to add more money (or "reload") the card.