Unwanted Christmas 保証人／証拠物件? How to 転売する it - and what 最高の，を越す gift cards like アマゾン can earn you

• e-mail

Sales of gift cards are thought to have risen this Christmas, as many 選ぶd for a 保証人／証拠物件 as an 平易な 現在の that is seen as more thoughtful than 冷淡な hard cash.

Britons bought £1.35billion 価値（がある） of gift cards between January and June this year によれば the Gift Card and 保証人／証拠物件 協会, up 8.4 per cent on the same period in 2022.

And that will have ramped up during the busy festive period, meaning millions of us probably received a 保証人／証拠物件 from a friend or 親族 this Christmas.?

But it?could also mean even more unwanted or forgotten gift cards left languishing in wallets and kitchen drawers in the year ahead.?

選ぶ a card: A wealth of retailers, restaurants and online streaming services now sell gift cards

While many will be pleased with the generous gift, some 保証人／証拠物件s will 必然的に 行方不明になる the 示す.?

They might be for a 蓄える／店 the 受取人 doesn't shop in, or they may 簡単に decide cash would be more useful.

保証人／証拠物件s can also come with infuriating small print such as short expiry dates, 制限s on where they can be used and even 告発（する），告訴（する）／料金s for keeping money on them for too long.?

And it is not just a 事例／患者 of 井戸／弁護士席-meaning friends and family not getting it やめる 権利.?

The 大多数 of 保証人／証拠物件s are now bought by companies to give out to their 従業員s as a reward for hard work, によれば the GCVA.?

会社／堅いs bought 11.7 per cent more 保証人／証拠物件s in the first six months of 2023 compared to last year.?

There are 税金 perks for giving 保証人／証拠物件s to 従業員s instead of cash 特別手当s, and 会社／堅いs also get 割引s for buying them in 本体，大部分／ばら積みの.?

Season of giving: Lots of people will choose 保証人／証拠物件s as 現在のs this Christmas - but some might not be aware of the 制限s that come along with them

The good news is it is now easier than ever to sell or 貿易（する） an unwanted? gift card online - and you might even be able to return it to the 蓄える／店 直接／まっすぐに under 確かな circumstances.?

We explain what you can do if you've received one you don't want - and which brands can 逮捕する the most cash on the resale market.?

Can you get a refund for a gift 保証人／証拠物件?

保証人／証拠物件s are now 申し込む／申し出d by all 肉親，親類d of 会社／堅いs, from 着せる／賦与するing 蓄える／店s to restaurants and music and gaming services.?

Unfortunately, most of them won't 申し込む／申し出 a refund for a 保証人／証拠物件, and this will be 明言する／公表するd in the 条件 and 条件s.??

On the rare occasions they do, you will usually need proof of 購入（する） and the money usually has to go 支援する to the person who paid for it - 要求するing an ぎこちない conversation many are unwilling to have.

One exception is 保証人／証拠物件s for 'experiences' ? such as an afternoon tea or a racing 跡をつける day.?

Many of the companies selling these 申し込む／申し出 a refund or 交流 within 30 days of 購入（する）, but again this would usually 要求する you to tell the gift giver.

The exception to the 30 day 支配する is if you try to 調書をとる／予約する the experience and there are no slots 利用できる before the expiry date, in which 事例／患者 they should refund you in 十分な.?

How much can I get for 転売するing a 保証人／証拠物件?

If you'd rather have the money in your pocket, there are now websites where 保証人／証拠物件s can be resold to other 顧客s in 交流 for cash.?

There is also the 選択 to 交換（する） them with another 販売人 for a different 保証人／証拠物件 which might be more to your taste.?

Websites 含む Cardyard and Cards2Cash, and people also sell them on websites such as eBay and Facebook Marketplace - though it is important to check the 支配するs as this is not always 厳密に 許すd.?

'One of the best ways to get rid of unwanted gift cards is to use Cardyard,' says Daisy Cooper, a money-saving 専門家 from the freebies website 最新の 解放する／自由な Stuff.?

'You can 交流 gift cards for cash or for other gift cards - there is an admin 料金, but it's 極小の.'

On 保証人／証拠物件 resale websites, the sell er will have to 受託する a bit いっそう少なく than the 量 on the card.

マイク Hayman, managing director of Cardyard, says the 普通の／平均（する） 販売人 gets 80 per cent of the money on the card, while the 普通の／平均（する） 買い手 購入（する）s it for 10 per cent いっそう少なく.?

最高の，を越す trumps: Gift cards from these brands all make more then the 普通の／平均（する） 80% of their balance on the 保証人／証拠物件 resale website Cardyard

The discrepancy is 負かす／撃墜する to the 示す-up 追加するd by Cardyard, which 変化させるs depending on the 処理／取引 and which it does not 明らかにする／漏らす to the 販売人.?

保証人／証拠物件s for the most popular 蓄える／店s 定期的に sell for up to 90 per cent of their value.?

'The more popular the card, the more you get for it when you sell to us, and the smaller the 割引 when you buy,' says Hayman.?

'The 推論する／理由 is that there is greater 需要・要求する, so we must attract 販売人s, and the 買い手s are 用意が出来ている to 支払う／賃金 more.?

'The most expensive card to buy, and the most generous to sell, is アマゾン. The bu yer gets just 3 per cent 割引, but they are bought within minutes of going on sale on our website.'

Cardyard has 明らかにする／漏らすd how much 保証人／証拠物件s from some of the most popular brands typically sell for on its website.??

While they do 受託する physical gift cards, these need to be 地位，任命するd to Cardyard and therefore the 大多数 sold on the 場所／位置 are in the form of 数字表示式の codes.?

Cardyard checks the 保証人／証拠物件s for authenticity before putting them up for sale and only 受託するs them if they have at least three months until expiry.?

There is a 延期する of several days or weeks between selling the 保証人／証拠物件 and getting paid, but Cardyard gives 販売人s a date when they can 推定する／予想する to receive the money.??

Hayman says: 'Spend your gift card quickly, or else sell it to an 交流 like Cardyard.?If you don't, you might forget about it or misplace it, and then it 満了する／死ぬs.'

When is the best time to sell a gift card???

によれば Hayman, ボクシング Day is the busiest day on Ca rdyard, closely followed by 27 December - so if you receive a 保証人／証拠物件 you don't want for Christmas it is best to 行為／法令／行動する 急速な／放蕩な.?

'We get 2.5 times the web traffic on ボクシング Day than the 普通の／平均（する）,' he says, 追加するing that a lot of people are also selling between Christmas and New Year and even on Christmas Day itself.?

'It 作品 井戸／弁護士席 for us as people flood in to sell their cards on the 26 December, then people come to buy those 割引 gift cards for the January sales.'

買い手s who are planning a big 購入（する） use the gift cards to 効果的に get themselves a 割引, as they are sold for いっそう少なく than the 量 on the 保証人／証拠物件.?

'If you are spending the money anyway, you may 同様に use a 割引 gift card as the 割引 is like 解放する／自由な money,' Hayman 追加するs.?

Get online: The best time to sell a 保証人／証拠物件 is between Christmas and New Year

What happens if my 保証人／証拠物件 満了する／死ぬs?

If you do decide to keep a 保証人／証拠物件, it is important to be aware of the expiry date.?

This will depend on what it s ays in the small print. In Ireland, a 法律 was passed in 2019 which means that 保証人／証拠物件s must have an expiry date at least five years from the date of 問題／発行する.?

But in the UK, the retailer is 解放する／自由な to 始める，決める any time 限界 they choose. It is ありふれた for them to 始める，決める a 限界 of two years, but some 井戸／弁護士席-known 蓄える／店s only 実証する cards for 12 months - and this is from the date of 購入（する）, which could be some time before they were given to the 受取人.?

In 新規加入, インフレーション means that the real-条件 value of the money on the card is 効果的に 落ちるing from the moment it is given.??

James Daley,?managing director of 消費者 group Fairer 財政／金融, says that 会社／堅いs aren't playing fair by 課すing 制限する time 限界s on spending 保証人／証拠物件s.?

He says they already 勝利，勝つ big from the gift card system, and don't need to 利益（をあげる） その上の by setting a 最終期限 for when 顧客s can use them.?

'Most 保証人／証拠物件s have expiry dates which are typically a couple of years. There's no good 推論する／理由 for for that ? it's very much not in the spirit of gift giving,' he says.?

'Retailers are already winning, because the value of the money on that gift card is 落ちるing every day thanks to インフレーション.?

'At the minute, if someone had a gift card that they received at Christmas 2021, it would already be 価値（がある） 15 per cent いっそう少なく.

'And they also 勝利，勝つ because, when people go in to a sho p to spend a gift card, they 普通は spend over and above the 量 on it.'

With expiry dates as they are, he 示唆するs that gift 保証人／証拠物件 givers make it （疑いを）晴らす to the 受取人 when they need to spend them by.?

'It is 価値（がある） putting a 公式文書，認める in the card to say, "Don't forget you need to spend it by this date!"' he 追加するs.?

Often retailers will 簡単に 辞退する to 延長する 保証人／証拠物件s, and いつかs a 料金 will be 告発（する），告訴（する）／料金d if they do agree.?

But 接触するing the 蓄える／店 and asking if they will 延長する it doesn't 傷つける, as they might agree to do so as a gesture of 好意／親善.?

'If you find 満了する／死ぬd ones, it's always 価値（がある） 接触するing the company to see if there's anything they can do about it,' says Cooper.?

Are there 料金s for keeping money on a gift card???

Caught out: Multi-retailer gift cards, such as those whic h are for a particular shopping centre, might 告発（する），告訴（する）／料金 料金s for 未使用の 基金s after a time so it it important to check the small print

Most 保証人／証拠物件s for individual 蓄える／店s won't 告発（する），告訴（する）／料金 the 受取人 any 料金s.?

However, 保証人／証拠物件s that can be spent in 多重の 蓄える／店s the 支配するs may be わずかに different, which can catch people out.?

This is because, instead of 伝統的な gift cards, these are 現実に pre-paid debit cards.?

For example, the One4All 保証人／証拠物件 明言する／公表するs on its website: 'One4all Gift Cards can be spent 解放する／自由な of 告発（する），告訴（する）／料金s for 18 months に引き続いて the 購入（する） date.

'After this time a 月毎の 告発（する），告訴（する）／料金 of 90p will be deducted from 基金s remaining on the card, until the card balance reaches 無.'

If someone 接触するs One4All to get 支援する the cash balance remaining on the card, there is also a 料金 of £7.50 or the balance on the card, if it is lower.?

Love2Shop 保証人／証拠物件s, another popular brand, 許す the 選択 to redeem 未使用の money while the card is still valid, 同様に as up to six years after the card's expiry date. However, there is an £8.90 料金 for this.?

It also 告発（する），告訴（する）／料金s a 維持／整備 料金 of £11 per year for any card past its expiry date that continues to 持つ／拘留する a balance.?

These 肉親，親類d of 料金s can also 適用する to gift cards sold by shopping centres.

James Daley of Fairer 財政／金融 says: 'いつかs, 同様に as expiry dates, cards also have inactivity 料金s.

'If you don't use the money on the card for a 確かな 量 of time, the provider will start drip feeding money out of it.?

'基準 pre-paid cards can be dressed up like gift cards. They are 効果的に debit cards run by ビザ and Mastercard and they いつかs 告発（する），告訴（する）／料金 you for taking out cash if you don't want to spend it in those shops.'

What if the retailer goes 破産した／（警察が）手入れする??

There have been 多重の high-profile retailer 崩壊（する）s in 最近の years - such as Wilko, Debenhams, Topshop, House of Fraser and Toys R Us.

Often when 会社／堅いs go into 行政, they stop 受託するing gift cards and 顧客s are unable to get their money 支援する.??

'There is no 保護 ? if companies go 破産した／（警察が）手入れする, they aren't 強いるd to honour gift cards while they are in the 過程 of の近くにing 負かす／撃墜する,' Daley says.?

SAVE MONEY, MAKE MONEY

Best buy 貯金

Best-buy 貯金

最高の，を越す 率s of up to 5.20%*

Open and manage accounts in one place

Cash Isa

Cash Isa

競争の激しい 5.17% 利益／興味*

含むs 0.88% 特別手当 for first year

解放する／自由な 株

解放する／自由な 株

When you 調印する up to Freetrade*

株 価値（がある） £10 - £100, min deposit £50

投資するing

Saving & 投資するing

£100 refund on 取引，協定ing 料金s*

申し込む／申し出 valid until 21 June

Fibre broadband

Fibre broadband

£50 BT reward card when you 調印する up*

£34.99 per month for 24 months

* (v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. These 取引，協定s are chosen by our 編集（者）の team, as we think they are 価値（がある） 最高潮の場面ing. This does not 影響する／感情 our 編集（者）の independence.