Simon Mall Gift Cards — I think this is a scam!
Simon Mall Gift Cards have lots of no's and very few yes'. The gift giver pays a fee up front. If you don't use it for any reason in 6 months after purchase date. Then they charge you $2.50 a month for "administrative fees" and a re-issue charge of $7.50 (which I think I just saw went up to $12.50)- if you card expires without using it.
I called and asked if there was any way they could reduce the fees since I had some major medical problems and my card had expired without using it. I lost $35 to fees. They wouldn't budge. I even asked if we could split the $35 because I had miss-read and thought you had 6 months after it expired to use it without penalty.
I think this is a scam. The buyer thinks they are giving a gift of $$XX and it doesn't always work out that way. I know there are time in life that you physically can't go out and purchase things and/or don't care if you can. This supposedly great gift idea falls flat for elderly or house bound people who may not have an idea on what to use it on.
I also had trouble when I was re-issued a card, getting a merchant to use it. They kept showing me that the card was declined when it had a balance on it.
I contacted the state's attorney general but they it is a legal contract between the buyer and the seller. It needs to be changed in the legislature. I just think the fees are too high when they are paid up front plus a profit to buy the card.