General Questions

Q: How does a CardEx GiftCard differ from a traditional charge card?
A: Our prepaid debit GiftCards are MasterCard or Visa-branded, and resemble regular credit and debit cards. The difference: Prepaid debit cards are spending tools that have been funded, in advance, by the card purchaser. If a company or an individual gives someone a GiftCard, they've already applied a fixed amount of funds to the card. Once this amount is completely spent, the recipient can either dispose of the card or retain it as a keepsake of the original gift. By contrast, traditional credit cards are not only for making purchases, but are designed as potential, long-term tools for credit-building and personal financial transactions.

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Purchasing CardEx GiftCards

Q: How do I buy a CardEx GiftCard?
A: Simply visit www.CardEx.com or call our Order Desk at +1.888.GiftCard (+1.888.443.8227). For your convenience, we'll bill your purchase to your MasterCard, Visa or American Express credit card or check card. Similarly, businesses that wish to place bulk orders (50 or more) of CardEx GiftCards should call our Sales Team toll-free at +1.888.4CardEx (+1.888.422.7339) or email Sales2@CardEx.com.

Q: How much does a GiftCard cost?
A: The total cost for each GiftCard involves the card denomination, plus a small service fee. The service fee includes FREE first class shipping.
Fees are as follows:

$10-$300 denominations = $5.95 service fee per card

$300.01-$600 denominations = $7.95 service fee per card

The fee for GiftCards valued at $301-$600 covers the higher servicing expenses such as increased transaction costs, additional customer service calls, and more automated telephone balance inquiries. If you'd like to place an order above $600 and up to $5,000, please contact a helpful member of the CardEx Sales Team at +1.888.4CardEx (+1.888.422.7339).

Q: Is there a minimum dollar amount that can be placed on the card? What about for an entire order?
A: GiftCards are available in a wide assortment of denominations to suit your needs. Personal GiftCards and Business GiftCards can be ordered online at www.CardEx.com in denominations from $25 to $600. If you'd like to place an order from $600 to $5,000, please contact the CardEx Sales Team for assistance at +1.888.4CardEx (+1.888.422.7339) or email Sales2@CardEx.com. The Sales Team is also the contact for companies seeking to place bulk orders (50 or more). Our representatives can help you with your transactions, as well as with establishing custom denominations, which are available for orders of that size.

Q: Is it safe to order a GiftCard online?
A: CardEx's website utilizes 128-bit encryption security to ensure the highest level of protection for your order. Additionally, any and all personal data you submit is stored on highly secure servers equipped with sophisticated encryption technology. Finally, we do not resell your personal information to any third party companies (see our Privacy Policy at www.CardEx.com/Policy.aspx).

Q: Will my credit history affect my ability to purchase a GiftCard?
A: No worries, here. Your personal credit history will not determine your eligibility to purchase a CardEx GiftCard. However, when you're ready to buy a GiftCard, it is important that you responsibly choose the best payment method. Specifically, CardEx accepts credit cards, check cards, wire transfers and company checks. If your credit card is in good standing, your GiftCard purchase will be approved and processed. Similarly, it is advisable to maintain sufficient funds in your account to initiate a wire transfer, check card or a company check transaction.
By the way, CardEx GiftCards are an excellent tool for managing personal spending. If you've faced a complicated personal credit history, consider reloadable debit cards. These cards, which allow users to replenish the card with more cash, have increasingly become a way for individuals to practice financial discipline and utilize prudent spending habits for themselves and their family. For more information on CardEx re-loadable debit cards please visit www.CardEx.com or call +1.888.4CardEx (+1.888.422.7339).

Q: Can CardEx customize my Business GiftCard?
A: Yes, for a small setup fee you can have your company's logo custom printed to your Business GiftCard. Please allow up to 2 weeks for us to complete the customization. Additionally, if you would like your card completely re-designed, we maintain a full graphics department.

Q: How long does it take to receive my GiftCard?
A: CardEx GiftCards are normally produced and delivered (via FREE first class shipping) within five 5 to 7 business days. If your purchase takes longer to arrive, call CardEx Customer Service at +1.888.801.3770. Please note that CardEx GiftCards cannot be sent to international addresses.

Q: Can I cancel an order placed with CardEx?
A: Online orders placed at www.CardEx.com are processed daily and may be cancelled only before we've completed processing your request. Bulk orders placed offline through CardEx Customer Service may be cancelled at any time prior to shipment.

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Using CardEx GiftCards

Q: How do I activate the GiftCard?
A: If you're the lucky recipient of a CardEx GiftCard, we know you'll want to use it right away. Simply select either of these options to activate your GiftCard:

	Visit www.MyCardEx.com. Click on "Activate Card." Enter your 16-digit Card Number followed by your Access Code. Press the "Activate" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770 to speak with a live Customer Service Representative.

Q: Which establishments accept CardEx GiftCards?
A: CardEx prepaid GiftCards carry the internationally recognized and respected MasterCard or Visa logos, and are accepted at millions of locations worldwide. If you buy or receive a GiftCard, you're empowered to use it anywhere you see these unique symbols:

Q: What happens if I need to return an item?
A: Each merchant location has its own return policies and will handle the returns in the same manner as any other MasterCard or Visa transaction. They may credit your GiftCard, provide a cash refund, or issue a store credit.

Q: Can a CardEx GiftCard be used for online purchases?
A: Yes, CardEx GiftCards enable you to shop online. Sit back and relax in the company of your favorite web merchants; spend until your heart's content - well, actually, until you reach your debit card limit. If the card is a Visa card you can enjoy additional merchant discounts offered through the Visa online website at www.Visa.com/discounts.

Q:Do I need a 4-digit PIN number to use my GiftCard in a store?
A: No, you do not require a PIN number. When you make a purchase, CardEx debit cards are handled like any credit cards: The store clerk simply runs the card through the machine to capture the necessary account information. From there, you're on your way - possibly, to use your remaining GiftCard balance wherever MasterCard or Visa are accepted.

Q: Will I get cash back from any unused portion of the card?
A: Typically, you will not receive cash back on your purchases. Your GiftCard is a prepaid debit card. Every time you use it, the purchase amount is deducted from the available balance until that balance reaches zero. For example, if your available balance is $50 and you buy a $40 shirt, the $10 difference will remain of you card and become your new available balance. Sometimes, in the case of returned items, a merchant may provide a cash refund.

Q: How can I check my GiftCard balance?
A: That's a good question, because it's wise to periodically check your account balance. Pick either of these easy ways to find out how much spending splendor is in your future:

	Visit www.MyCardEx.com. Click on "Card Balance." Enter your 16-digit Account Number followed by your Access Code. Press the "Check Balance" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770. You'll be connected to our 24/7-automated service or you can opt out of the automated system to speak with a live Customer Service Representative.

Q: Why, when I check my balance online, it sometimes displays a lower balance than my actual balance?
A: This usually means that there is an outstanding authorization on your card. Retailers such as restaurants, hotels and gas stations will often run your card for authorization before you make your final purchase. When the final purchase is made, the actual amount will be authorized again and settled. The original authorization amount will remain pending on your account for up to 5 days. When the authorization settles, or drops off (after 5 days), your account will show your adjusted total balance.

Q: Can I track where I've used my GiftCard?
A: Yes, here's how you can obtain your transaction history:

	Visit www.MyCardEx.com. Click on "Transaction History." Enter your 16-digit Account Number followed by your Access Code Press the "View History" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770 to speak with a live Customer Service Representative.

Q: Can I receive a cash advance from my Personal GiftCard?
A: You cannot use Personal GiftCards to receive a cash advance. Additionally, Personal GiftCards cannot be used at ATM's or at bank teller windows to withdraw cash. Why not? Well, because CardEx GiftCards are prepaid. That's like already having cash on hand until the funded amount of the card is completely used. However, CardEx Business GiftCards offer optional ATM and cash advance capabilities in addition to other features.

Q: Can money be added after the initial limit runs out?
A: Money cannot be added to Personal GiftCards. However, the option to add more money to your debit card (the process known as "re-loading") is available with CardEx IncentiveCards, MoneyCards and CashCards. Please visit www.CardEx.com for additional information on re-loadable cards, which for a minimal fee, permit you to continuously add funds.

Q: Can my GiftCard ever have a negative balance?
A: Technically no, because any authorization request that is greater than the card's available balance will be declined. However, sometimes, a merchant allows a purchase without prior authorization or forces a transaction through. If this happens and you exceed your card's limit, you will be billed for the excess amount, plus applicable service fees. Before making a purchase, and to avoid charges, visit www.MyCardEx.com to check your account balance.

Q: Can I pay my credit card bills with my GiftCard?
A: Credit card, utility, or other companies that accept a debit card as a form of payment will be able to accept your GiftCard. However, CardEx debit cards contain restrictions on cash advances. Ultimately, using CardEx debit cards, instead of regular credit cards, will save you the expense of potentially high credit card interest or other charges.

Q: If I have more than one card, can I combine them into one account?
A: There are many uses for CardEx GiftCards (and frankly, we're thrilled to know that you own more than one), but currently, multiple debit cards cannot be combined to create a single account.

Q: How long can I use my GiftCard?
A: You may make purchases up to 6 months after the card issue date. However, a monthly maintenance fee of $5.00 will be assessed beginning in the 7th month after the card issue date, and continuing until the remaining value is depleted or until the expiration of the card.

Q: What if there are still funds available when my GiftCard expires?
A: We'd be amazed if you didn't use the entire card amount before the card expires. There's so much you can do with your GiftCard. However, if still have funds available, you can either request a new GiftCard or a refund check. If you request a GiftCard, we will issue a new card and mail it to you with the remaining balance on your account - minus a Re-Issue Fee of $9.95. If you choose to receive a refund check, your remaining funds - minus a Check Issuance Fee of $25 - will be distributed by check within 4 to 6 weeks.

Q: What if my GiftCard is ever lost or stolen?
A: Immediately report a lost or stolen card to Customer Service at +1.888.801.3770. You can call 24-hours a day, seven days a week. A replacement card will be sent to you, minus a reissue fee that will be deducted from the card balance. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized charges. Please review the terms and conditions that arrived with your card, for additional information.

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