What are the consumer rights and obligations regarding the use of gift cards?
In Wisconsin, consumers have certain rights and obligations regarding the use of gift cards. Gift cards are a type of prepaid card that can be used as a substitute for cash to purchase goods and services. Consumers have the right to know the expiration date of the card, the terms and conditions of the card, as well as any fees or charges associated with the card. Consumers also have the right to dispute erroneous charges and reject unauthorized charges. In addition to the consumer rights, there are certain consumer obligations as well. Consumers should keep the card in a safe place, use it only for authorized purchases, and follow the terms and conditions set out by the card issuer. It is also important for consumers to report any lost or stolen cards as soon as possible to prevent unauthorized use. To protect consumer rights and ensure fair practices, Wisconsin state law requires that gift cards may not expire or charge a dormancy or inactivity fee for a period of five years from the date of issuance. Additionally, the state law prohibits any fees associated with the initial purchase of a gift card. Consumers should be aware of any fees associated with the use of the card and should read any accompanying material carefully.
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