Simon Mall Gift Cards / Bank keeps your money
I received a Simon Mall Gift Card from a relative. Took it to Borders bookstore once. The next time at Borders I told them to check how much was left on the card. The card doesn't allow them to do that, they said. A seasoned employee suggested ringing up several dollars at a time until the card declared an overdraw. It took a lot of frustrating time to do this. At the end an unknown amount still remained on the card. I don't know which next store is willing to waste its time making repeat ring-ups to get my money out.
The bank keeps it. We lose. In 13 months they drain the account $2.50 each month. A "service charge."