I wanted to quickly flag two things – only vaguely connected – about retail gift cards.
Firstly, before Christmas American Express ran a promotion which offered a 20% discount on HMV gift cards. Reader Tim got in touch to say that he had bought some of these and had not yet redeemed them. He called Amex, and Amex has agreed to refund the money under their voluntary chargeback scheme. (It is ‘voluntary’ because Amex Plat and Gold cards are NOT credit cards and so Amex is not legally bound under ‘Section 75′ law to give you your money when a company goes bust.)
Note that you need to file a claim with Amex within 120 days of the retailer going into administration.
The second is just a reminder that Tesco is STILL giving 150 bonus Clubcard points when you spend £50 of gift cards instore (Tesco and Visa gift cards excluded). Full details are in this post. Saturday 26th January is, I think, the last day to collect Clubcard points if you want to receive the points in the February mailing.
If you collect Virgin miles and want to take advantage of the 50% bonus on transfers of Clubcard points to Virgin, this is especially interesting. 150 Clubcard points = 375 Virgin miles, so 562 Virgin Flying Club miles with the bonus. The Clubcard points go onto your account immediately, so you would definitely get them in February.