For those of you that are unfamiliar with the Sunrise Banks Visa Gift Card, it is a great card from this financial institution. It allows you to make purchases at participating retailers while automatically paying off your balance at the end of each billing cycle. As with all things, there are positives and negatives associated with this card. The biggest issue that most people have related to the cost. This particular card costs $7.50 for each purchase, which seems like quite a lot, but when you consider that you can walk away from a participating retailer with an amount in your pocket for much less than that, it makes the cost worth it.
You will also find that this particular card has one of the lowest interest rates around. It is also worth noting that this credit card is not linked to any credit card accounts. Once you make your first purchase with your Sunrise Banks Visa Gift Card balance, you will only be charged the retail price for that item. There are no hidden fees associated with this transaction. So you can literally use your new card as much as you would like and never pay additional interest or any other fees.
The one negative thing that we did notice is that once your card was used for a purchase, the remaining balance on your card was due for payment. This happened to us for the first time when we were preparing to travel and had a long layover between our visits to see family and friends. When we learned that there were fees associated with our purchases, we decided to switch back to our bank card to make sure that we would not face any issues when we returned to Australia.
How To Manage Your Sunrise Banks Visa Gift Card Balance
You can apply for a Sunrise Banks Visa Gift Card from any of their branches across the United States. This credit card is issued by the bank and it allows its members to make purchases using their Visa debit or credit card in any American outlets. The purchases made using this card are not considered as cash advances because the member will only be charged the applicable transaction fee. This card can also be used to make hotel reservations, buy gift certificates and many other things. The whole process involves a simple application, and then you are all set to start enjoying the benefits that this card has to offer.
Another thing about this card is that you do not have to pay any annual fees when you are using it. There are also no balance transfer fees if you were to close your account at any time, as long as you had money in your account to cover the remaining balance. The banks do not add any extra or hidden charges whenever you are using your Sunrise Banks Visa Gift Card balance in the purchases you made using your card. This means that you can enjoy all the benefits without any hassles whatsoever.
It is very important for you to ensure that you do not have any problems with your Sunrise Banks Visa Gift Card balance. The bank is willing to help you out only if you approach them and explain your problem. They would also be willing to help you out if you tell them the reason behind the non payment of your balance. This way they can determine whether you are in fact the owner of this card, and not just the beneficiary of this credit card balance.