AMERICAN EXPRESS® GIFT CARD FOR GERNERAL GROWTH PROPERTIES CARDHOLDER AGREEMENT
These terms and conditions govern your use of the American Express® Gift Card General Growth Properties (“Terms and Conditions”). By purchasing, signing or using the American Express Gift Card for General Growth Properties (“Card”), you are agreeing to these Terms and Conditions.
The terms “you” and “your” refer to the person who purchased the Card and/or the person who is using the Card. The terms “we” “our” and “us” refer to American Express Travel Related Services Company, Inc. and its subsidiaries and licensees that issue prepaid cards, including American Express Prepaid Card Management Corporation (“AEPCMC”), the issuer of the Card.
FREQUENTLY ASKED QUESTIONS ABOUT THE CARDIs the Card a debit, charge, or credit card?
No. The Card is not a debit, charge or credit card. The Card is a prepaid payment device with a dollar value that is either printed on the front of the Card or a “variable load” amount that is selected at the time of purchase. The Card is not transferable.Is the Card ready to use immediately?
In most cases, the Card is ready for use immediately after activation. However, in some cases, the Card may be inactive for up to four hours. If your Card has a signature panel, you must sign your name, prior to use.Are there any fees for the use of the Card after purchase?
This Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees).Do the funds on the Card expire?
No, the funds on the Card do not expire.If the funds do not expire, what is the “valid thru” date on the front of the Card?
The “valid thru” date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the “valid thru” date has passed on the Card, its Available Balance remains unchanged and intact. In order to keep making purchases with your Available Balance, after a Card’s “valid thru” date has passed, please call 1-877-297-4438 for a free replacement Card.Should the card number be written down?
Yes. You should write down the Card number, along with the Customer Service Number (1-877-297-4438), the 3 digit card security code on the back of the Card (“CSC”), and 4 digit card security code on the front of the Card (referred to also as the “”Card Identification Number” or “CID”) and keep these in a safe place. You will need the Card number, CSC, and CID to check your balance or replace the Card if it is lost or stolen.
We strongly suggest that you keep the receipt from the purchase of the Card, as we may require it for a refund, exchange or replacement.Where can the Card be used? Are there any usage restrictions?
The Card may be used at merchants and retailers in the United States that accept the American Express Card (“Merchants”). The Card cannot be used for ATM cash withdrawals or for recurring billing charges (such as monthly utilities or subscriptions). You may use the Card to make final payments, but may not be able to use the Card to make reservations or deposits (e.g., car rental or hotel reservations).Except where required by law, the Card is not redeemable for cash. The Card may not be used for unlawful purposes.How do I check my Available Balance?
The value on the Card at any time is its “Available Balance.” You may check your available balance at www.americanexpress.com/mygiftcard or by calling Customer Service at 1-877-297-4438.How is the balance on the Card calculated?
There are two ways that your Available Balance may be decreased. First, if you make a purchase with the Card, we will deduct the full amount of that purchase, including taxes and any other fees, from the Available Balance. Second, if the Merchant authorizes for an amount greater than the actual purchase, the Available Balance will be temporarily decreased by the amount of the authorization until the actual transaction posts, typically until the eighth (8th) day after purchase. Only the final amount of the purchase will ultimately be deducted from the Available Balance. Once the Available Balance reaches zero ($0), the Card is no longer valid and you agree that you will no longer use it. However, if a transaction occurs despite an insufficient Available Balance on the Card, you agree to reimburse us, upon request, for the amount of the negative balance created on the Card.How is the Card used to make retail purchases?
Present the Card to the cashier for payment and tell him/her it is a gift card. Sign the receipt with the same signature you used to sign the back of the Card. Retain the receipt as a record of the purchase.Can the Card be used if its Available Balance does not cover the total purchase price?
Depending on the Merchant’s policy, you may be able to use the Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a “Split Tender Transaction.” To make a purchase for more than the Available Balance on the Card:
- Present the Card for payment and tell the cashier it is a gift card.
- Tell the cashier the Available Balance and ask whether another form of payment will be accepted for the balance of the purchase.
- Before the Card is “swiped,” tell the cashier to only authorize the Card for the Available Balance.
- If the Card is declined, remind the cashier of the Available Balance.
- Be prepared to provide a second form of payment to cover the balance of your purchase.
Some Merchants may only allow you to use cash or check, but not another card, as the second form of payment. Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction. If you are having difficulty making a Split Tender Transaction or using the Available Balance on the card please call 1-877-297-4438 for assistance.Can the Card be used to make an internet purchase?
Yes, you can also use the Card to make a purchase over the internet or by mail-order. However, some internet and mail order Merchants do not permit Split Tender Transactions. If you experience any difficulty making a purchase online or by mail order with the Card, please call 1-877-297-4438 for assistance.How should the Card be used at restaurants, hair salons or other merchants that may be expecting a gratuity?
Restaurants, hair salons and some other types of Merchantsmay obtain an authorization on the Card for an amount up to 20% more than the total service bill to cover any gratuity that may be added. Be sure that the balance on the Card is sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Balance.How should the Card be used at gas stations?
Gas stations will routinely obtain an authorization on the Card for an estimated purchase amount to ensure that the Available Balance will cover the final purchase. To avoid having a gas station obtain an authorization for an amount higher than the Available Balance, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Balance on the Card.What if the Card is lost or stolen?
If the Card or Card number is lost or stolen, contact us immediately at 1-877-297-4438. You must provide your name, address, Card number, CID, and other details for identification purposes. You agree to give us all reasonable information to help make a complete investigation of the loss or theft of the Card. If the Card or Card number is reported by you as lost or stolen, we will issue you a replacement Card with a value equal to the Available Balance on the Card at the time you notified us of the loss or theft. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM YOUR LOST OR STOLEN CARD BEFORE YOU NOTIFY US.Can merchandise purchased with the Card be returned?
Merchandise purchased with the Card is subject to the Merchant’s return policies. If the Merchant agrees to issue a credit to the Card this amount may not be reflected in the Available Balance until the credit posts, which may take up to seven days.Can a charge made with the Card be disputed?
No. Purchases made with the Card are similar to those made with cash, in that you cannot “stop payment” or lodge a “billing dispute” on purchases made with the Card. Any problems or disputes you have regarding a purchase should be addressed directly with the Merchant.
OTHER IMPORTANT NOTICES
No Warranties: We are not responsible or liable to you (i) for any interruption of Card service, (ii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant with the Card, (iii) if any Merchant refuses to honor the Card or special offers and/or (iv) for any other problems you may have with any Merchant. If a Merchant fails to honor the Card, please call the 1-877-297-4438 to report the incident.
Cancellation or Suspension of the Card: We reserve the right to suspend or cancel your Card if you violate these Terms and Conditions or if: (i) there are concerns regarding potential illegal activity associated with the Card or its usage, and/or (ii) potential fraud or security risks associated with your Card, as determined by us. If your Card is cancelled or suspended, you will not be able to use the Card. If we ultimately determine that there is potential fraud, illegal activity, or security risks associated with the Card, we may work with local, state or federal law enforcement authorities who may require that we turn over the funds on your Card to them. If we ultimately determine that there was no fraud, illegal activity or security issues associated with your Card, we may reinstate your ability to use the Card.
Escheatment: Under certain states’ laws, if the a Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as "unclaimed property"; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.
Changing these Terms and Conditions: We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with the Card, with or without notice, subject to applicable law. Any notice given by us shall be deemed given when deposited in the United States mail, postage prepaid, addressed to you at the latest address shown on our records or when such notice is posted on our web site. The most up-to-date Terms and Conditions may always be found at www.americanexpress.com/mygiftcard.
Assignment and Waiver: We may assign these Terms and Conditions to a third party at any time without notice to you. However, if we assign these Terms and Conditions, the terms will remain substantially and materially the same unless you are notified. If we reimburse you for a refund claim you have made for a lost or stolen Card, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims, excluding tort claims, that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to the Card. You agree that you will not pursue any claim against, or reimbursement from, such third party for the amount that we paid or credited to the Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited. Neither our failure to exercise any of our rights under these Terms and Conditions, nor our delay in enforcing or exercising any of our rights, shall constitute a waiver of such rights. If we waive any right under these Terms and Conditions on one occasion, such waiver shall not operate as a waiver as to any other occasion.
Data Protection and Privacy: During any Customer Service call, we may request that you provide the card security code printed on the front of the Card, as well as additional identification information such as your home phone number, date of birth, and zip code. We may also obtain personal information (“Cardholder Information”) about you, including information (i) provided to us by the Card purchaser, such as your name and/or your address, (ii) provided by you at the time of activation or during customer service calls, and (iii) about purchases made with the Card, such as the date, the amount and the place of purchase. For purposes of fraud prevention and regulatory compliance, we may also obtain information from providers of identity verification data and demographic information.
Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. We also maintain physical, electronic, and procedural security measures that comply with federal regulations to safeguard Cardholder Information.
Disclosure: We will use Cardholder Information to process Card transactions, provide customer service, enhance usage at retailers who may require zip code authorization, process claims for lost or stolen Cards and help protect against fraud. We also use Cardholder Information for marketing purposes and to conduct research and analysis.
We may provide certain Cardholder Information to companies, including our affiliated companies that perform business operations or services, including marketing services, on our behalf. We may provide certain Cardholder Information to others outside of American Express as permitted by law, such as to government entities or other third parties in response to subpoenas. We may develop marketing programs and send you offer for products and services. We do not share customer addresses with other companies for them to market their own products and services.
Offers / Choice: If you prefer not to receive offers, you may opt out by calling us in the United States toll free at 1-800-722-8614. If you opt out from receiving these offers, we may still send important information about the Card or other American Express products and services to you.
Telephone Monitoring/Recording: From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.