Electronic currency exchange, or EFC, are basically credit card-like debit cards issued by financial institutions. Because of their similarities to credit cards, many people mistakenly believe that electronic gift cards can be used like regular ones. This is because they are often paired with a corresponding bank account. While this may sound convenient, there are some differences between electronic gift cards and regular ones.
Unlike regular eGift cards, eGift digital gift cards do not need to be funded beforehand. Instead, recipients are charged when spending online. For this reason, it is not recommended for businesses that process payroll or need to provide employees with company funds, as eGift debit cards are not linked to bank accounts. For example, it would be difficult for an employee to load funds onto an eGift card if she were using a conventional Visa or MasterCard.
Another important difference is that most conventional Visa and MasterCard debit cards come with a grace period during which the card holder can spend money without incurring fees. This grace period is typically 30 days, though in some cases longer grace periods may be applicable depending on the issuer. These cards also normally have some sort of minimum monthly balance requirement. EFTs, on the other hand, do not come with any such requirements. These two differences make eGift Visa cards popular with businesspeople who want to give their employees rewards for good financial habits.
Because they do not have any grace periods or minimum monthly balances, recipients of eGift cards will incur interest charges nearly every occasion they use the card. In comparison, recipients of conventional credit cards will pay interest even if they do not use the card for a full month. In addition, recipients of eGift Visa cards will have virtually limitless spending power thanks to the eGift card's expiry date. As soon as an eligible recipient uses up an existing eGift Visa card, he or she will be able to apply for another one. That means recipients of eGift cards never have to worry about running out of spending power.
For business people and for people who travel a lot, the ability to acquire Visa and MasterCard debit cards at really low prices is a great benefit. These types of cards provide their users with the ability to enjoy tremendous online shopping convenience at greatly reduced prices. They also provide their users with the ability to acquire gift certificates for retailers that offer products that cannot be found anywhere else. One example is the company that manufactures and distributes Vistaprint products.
Vistaprint is a printer-manufacturing company that began producing and distributing greeting cards in the early nineteen hundreds. Over time, the company expanded to include catalog printing, gift-giving services, and in addition, virtual account and catalog shopping services. Virtual account and catalog shopping are a service offered through many of Vistaprint's online stores. Basically, when you register at Vistaprint's site, you can create a virtual account that acts like your normal credit card. You can then begin shopping in stores like eBay and Amazon, just like if you were purchasing merchandise through a traditional credit card terminal. When you complete a transaction, your card information is securely transmitted to the retailer through the virtual account portal.
In this way, the consumer (you) does not have to leave your home, and there is no need to carry around lots of cash or any other wallet-sized items. The eGift Visa cards are issued by your virtual account in the name of your recipient. In order to receive your own eGift Visa cards, all you have to do is visit any of the Vistaprint stores. You can pay for your purchase with a credit card, and you will be assigned an account number, just like if you had purchased any other Visa or MasterCard product. Once you enter this information, you will instantly be shown your personal account number, and you can make a purchase just like you would if you were purchasing merchandise from a brick and mortar store.
Purchasing anything with your Vistaprint credit card is processed exactly the same as if you were purchasing any other Visa or MasterCard product. This includes purchases at grocery stores, gas stations, restaurants, department stores, drugstores, baby stores, and practically anywhere you can purchase gift cards. The fact that you are using your Vistaprint account to make these purchases makes this type of payment processing especially convenient. In addition, it makes the process of purchasing any other types of merchandise – including gift cards and regular credit cards – a much simpler process. Once you have completed an online transaction, your card is generally sent by regular mail to the recipient. Alternatively, you can arrange to have your card sent to your address via regular mail so that you receive your eGift Visa cards promptly.
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