MyGift Visa Card Not Working? 7 Quick Fixes

Getting a "transaction declined" or "invalid card" error on your MyGift Visa card is frustrating. You have funds available, so why isn't it working? The good news is that the solution is usually simple. This guide covers the top 7 reasons your MyGift card might be failing and how to fix each one fast.

1. Card Not Activated

This is the most common issue. Before you can use your MyGift card, it must be activated. Even if you received it as a gift, the activation step is mandatory.

• Solution: Go to the official activation page (usually mygift.giftcardmall.com), enter your card number, expiration date, and CVV. Follow the on-screen instructions to complete the activation.
• Pro-Tip: You cannot check your balance until the card is activated.

2. Incorrect Billing Address (For Online Purchases)

When shopping online, the billing address you enter must match the address registered with your MyGift card. If you haven't registered an address, the transaction will likely fail.

• Solution: Log in to your MyGift card account and add your current shipping address as the billing address. Ensure it matches exactly what you enter at checkout, including postal code.

3. Insufficient Funds

If the purchase amount is even one cent over your available balance, the transaction will be declined. This includes taxes and shipping fees.

• Solution: Always check your balance before shopping. If you don't have enough to cover the full amount, ask the cashier if they can do a "split tender" transaction, where you pay the difference with another payment method.

4. Card is Expired

Like any Visa card, your MyGift card has an expiration date. If the card has expired, it can no longer be used.

• Solution: Check the "Valid Thru" date on the front of your card. If it has passed, you may be able to request a replacement card by contacting customer service, though fees may apply.

5. International or Blocked Transactions

MyGift cards are typically intended for use only within the country they were purchased in (e.g., the U.S. or Canada). Trying to use it on an international website will result in a decline.

• Solution: Only use your card on websites that operate and ship within your country. Some online merchants may also block prepaid cards as a fraud prevention measure.

6. Temporary Authorization Holds

Gas stations, hotels, and car rental agencies often place a temporary hold on your card for an amount larger than your actual purchase (e.g., $100 for a gas fill-up). If this hold amount exceeds your balance, the card will be declined.

• Solution: Pay inside at the gas station for the exact amount of fuel you want. For hotels, use a different card for the initial hold.

7. Incorrect Card Information

A simple typo can cause a transaction to fail. Double-check that you have entered the card number, expiration date, and CVV correctly.

• Solution: Carefully re-enter the payment information. When shopping online, avoid using browser auto-fill, as it may enter incorrect details.