Are you thinking about giving gift cards to those not so well known love ones or co-workers this year? You may want to reach for a visa card instead.

Early in 2017, many stores closed in January after weak holiday sales. Why? On January 10 of every year, retailers have to pay vendors and landlords. Hence, many file for bankruptcy before that date. This means any outstanding gift cards are now void. Yep, you just gave an unusable gift plus wasted money.

With 5,000 stores closing this year, opt for a preloaded Visa card instead or put cash in a card.

Happy Shopping,

Yvette ?

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