Gift Cards | LGFCU

What to do if your card is declined

If your gift card is not working as expected, you may do one of the following:

Call the toll-free number, 866.902.6082, on the back of your card, for registration support, balance/account/transaction inquiries, to lock/unlock your card, etc.
Contact SECU 24/7 Member Services toll-free at 888.732.8562 for assistance.

For closed cards with a balance, call (866) 902-6082 for assistance with submitting a refund request for the remaining balance on your gift card.

Gift Card FAQs

Managing Your Card

I received an SECU Visa Gift Card. What should I do?

Before using your gift card, review the Visa Gift Card Cardholder Agreement and sign the back of the card. Activate and register your gift card, check your balance and transaction history, lock or unlock your card, or dispute fraudulent charges by calling 866.902.6082.

How do I activate and register my gift card?

You can activate and register your card and select a PIN by calling 866.902.6082.

Can my card expire?

Yes. Your card expires on the last day of the month displayed on the card. However, the underlying funds on your card do not expire.

Using Your Gift Card

Where can I use my card?

You can use your card at any participating US or international merchant that accepts Visa cards and magnetic stripe transactions.

Where can’t I use my card?

You can’t use your card for any of the following types of transactions

Cash transactions, including ATM withdrawals, cash advances, cash back, or peer-to-peer payments
Online gambling or illegal activity
Recurring transactions such as utility service providers or health club fees
Car rentals
Cruise line purchases
Pay-at-the-pump gas purchases

Note: You can use your card to purchase gas inside the store with the attendant.

Can I use my card at hotels?

Yes. At check-in, hotels may ask to put a hold on your card for the amount of your stay or other expenses, making those funds unavailable for use. If the amount of the hold is greater than your card balance, the transaction could be declined. To avoid this, check in with another debit or credit card, and then use your SECU Visa Gift Card as final payment for your stay.

Should I use “debit” or “credit”?

You can use your card as either debit or credit. Debit transactions require you to enter your PIN, while credit transactions require your signature to authorize the purchase.

Can I include a tip?

Yes. If your bill plus the tip amount exceeds your card balance, the transaction may be declined. If needed, ask the merchant to process a specific amount from the gift card and use another payment method to complete your purchase transaction.

Can I return a purchase made from my card?

Yes. Merchants can either return the funds back to your card balance or provide you with a cash refund or store credit.

Why was my Visa gift card declined?

Your card may be declined for any of the following reasons: no funds available, trying to perform a prohibited transaction, purchase amount exceeds the balance on your card, or the card has been closed.

If your Visa gift card is not working as expected, you may do one of the following:

Call the toll-free number, (866) 902-6082, on the back of your card, for registration support, balance, account, or transaction inquiries, requests to lock or unlock your card, and all other gift card related requests.
Contact Member Services Support at (888) 732-8562 for assistance.
For closed cards with a balance, call (866) 902-6082 for assistance with submitting a refund request for the remaining balance on your gift card.