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By Ruth Susswein
Consumers spent an estimated $88 billion on gift cards last year, according to the research firm the Tower Group. It’s no wonder, as gift cards can swiftly solve the nagging holiday question: What should I get?
By some estimates, 40% of gifts that go to teens are gift cards. The cards give recipients the freedom to choose their own gifts, but as their popularity grows so do the complexities.
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The Office of the Comptroller of the Currency reminds consumers to read the terms and conditions of gift cards this holiday season. While a popular and convenient way to give, gift cards can have expiration dates, fees, and other terms that can reduce their value. Other terms may limit where cards can be used or explain the process of handling complaints and lost or stolen cards.
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ITAC, the Identity Theft Assistance Center, and The Financial Services Roundtable are urging American consumers to safeguard their personal data while shopping this holiday season and stay informed. The financial services industry is committed to helping consumers protect their finances. Here are several tips on how to protect your finances during the holidays:
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