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Questions frequently asked by the recipient:
Q: How can I check the balance on my Commerce Bank Gift Card?
A: To check the balance of your Commerce Bank Gift Card log on to
www.visadpsgiftcard.com/commercebank
or call the toll-free number 1-866-271-7780.
Q: What should I do if my Commerce Bank Gift Card is lost or
stolen?
A: If your card is lost or stolen, contact Customer Service immediately
to report it. You can contact us by calling our toll-free Customer
Service number 1-866-271-7780.
Q: My Commerce Bank Gift Card doesn't have my name on it. Can
I still use it?
A: Yes. You can still use your Commerce Bank Gift Card even though
your name doesn't appear on the card. Make sure you sign the back
of your Commerce Bank Gift Card because a retailer can validate
your identity by comparing your signature on the back of your Commerce
Bank Gift Card with the one on your receipt. You can register your
card as well.
Q: Why should I register my Commerce Bank Gift Card?
A: Registering your card has several benefits:
- It enables you to make purchases online. Most online retailers
do not accept payments without a valid "billing" address. Your
registered address will serve as the "billing" address that retailers
require.
- It enables Customer Service Representatives to more quickly
assist you when you call.
- It protects you if your card is ever lost or stolen, so that
you can be reimbursed for lost funds.
Q: What Terms & Conditions apply to the card?
A: By using your Commerce Bank Gift Card, you accept the Terms
and Conditions provided to you with the card. Click Here to review the
Terms and Conditions.
Q: How will I know the original amount of my Commerce Bank Gift
Card?
A: The original value of your Commerce Bank Gift Card may be printed
on the card carrier. You can also check your balance online at www.visadpsgiftcard.com/commercebank
or by calling the toll-free number on the back of your card, 1-866-271-7780.
Q: Can I make purchases for more than the amount remaining on
my Commerce Bank Gift Card?
A: For purchases that are higher than your Commerce Bank Gift Card
balance, you can use your Commerce Bank Gift Card along with another
form of payment. Your Commerce Bank Gift Card is a prepaid card
and can only be used up to the amount on the card. If you attempt
to make a purchase for more than the amount available on the card
without another form of payment to pay the difference, the transaction
will be declined.
Q: Can I use my Commerce Bank Gift Card at more than one place?
A: Yes. That's the advantage of a Commerce Bank Gift Card! You can
use your Commerce Bank Gift Card at multiple retailers nationwide
that accept Visa debit cards, as long as there is a balance remaining
on the card.
Q: Can I use my Commerce Bank Gift Card online?
A: Yes. You can use your Commerce Bank Gift Card to make purchases
online. You must register your card before purchasing online. Some
retailers will not process your purchase without a valid address
registered to the card. You can register your card online at www.visapdsgiftcard.com/commercebank
or by calling 1-866-271-7780.
Q: Can I use my Commerce Bank Gift Card at an ATM?
A: No. Your Commerce Bank Gift Card can only be used for retail,
online, and telephone purchases.
Q: Can I use my Commerce Bank Gift Card to get cash or cash
back at a bank or checkout lane?
A: No. Your Commerce Bank Gift Card can only be used for retail,
online, and telephone purchases.
Q: Can I add more money onto my Commerce Bank Gift Card?
A: No. At this time that feature is not available.
Q: How long can I use my Commerce Bank Gift Card?
A: Your Commerce Bank Gift Card expiration date is embossed on the
front of your card. You can use your card through the last day of
the month printed on the card.
Q: What do I do if my Commerce Bank Gift Card is expired and
I still have a balance?
A: If you have a balance remaining on your Commerce Bank Gift Card,
you can request to have a check mailed to you for the remaining
balance, minus the processing fee.
Q: What happens if I spend all of the money on my Commerce Bank
Gift Card?
A: Once you have used up the funds on your Commerce Bank Gift Card,
your card will be closed. You can keep it in case you need to return
an item you have purchased using the card, which will reopen your
card if it has not passed the expiration date. You can keep it as
a memento. You can also discard it once you have spent all of your
money.
Q: What do I do if I have moved since I registered my Commerce
Bank Gift Card?
A: You can change your address or telephone number online at www.visadpsgiftcard.com/commercebank
or by calling a Customer Service Representative at 1-866-271-7780.
Q: Is there a maintenance fee?
A: There is a monthly maintenance fee of $2.50, which is waived
for the first six months. If you still have a balance remaining
on the card after this introductory period, your card will be charged
a monthly maintenance fee for as long as there is a balance remaining
on the card.
Q: Why is my Actual Balance different than my Available Balance?
A: Typically, your Available Balance is less than your Actual Balance
because your Available Balance reflects purchases you have made
that have been authorized, but have not yet cleared your card. Your
Actual Balance reflects all purchases that have cleared on your
card.
Q: Why can't I use my Commerce Bank Gift Card to pay for gas
at the gas pump?
A: Because the amount of the purchase is unknown and cannot be pre-authorized
at a pump, you can only use your Commerce Bank Gift Card for gas
purchases by paying inside.
Q: Is the Commerce Bank Gift Card connected to my credit or
the credit of the person to whom I am giving the card?
A: No. The Commerce Bank Gift Card is not tied to anyone's personal
credit in any way.
Q: If the Commerce Bank Gift Card is not connected to my personal
credit profile, why do you need to know my Social Security Number?
A: Visa uses key information when investigating a dispute for an
unauthorized purchase. While your Social Security Number is not
required, this information enables Visa to better protect your dispute
rights if your card is ever lost or stolen.
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