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Avoiding and Reporting Gift Card Scams
How Gift Card Scams Work
Gift card scams start with a call, text, email, or social media message. Scammers will say almost anything to get you to buy gift cards — like Google Play, Apple, or Amazon cards — and hand over the card number and PIN codes. Here are some common tactics scammers use in gift card scams:
- Scammers will say it’s urgent. They will say to pay them right away or something terrible will happen. They don’t want you to have time to think about what they’re saying or talk to someone you trust. Slow down. Don’t pay. It’s a scam.
- Scammers will tell you which gift card to buy (and where). They might say to put money on an eBay, Google Play, Target, or Apple gift card. They might send you to a specific store — often Walmart, Target, CVS, or Walgreens. Sometimes they’ll tell you to buy cards at several stores, so cashiers won’t get suspicious. The scammer also might stay on the phone with you while you go to the store and load money onto the card. If this happens to you, hang up. It’s a scam.
- Scammers will ask you for the gift card number and PIN. The card number and PIN on the back of the card let the scammer get the money you loaded onto the card — even if you still have the card itself. Slow down. Don’t give them those numbers or send them a photo of the card. It’s a scam.
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Effective July 1, 2025
At Circuit Federal Credit Union, we know it’s important that you have your funds available to use as quickly as possible, so we adhere to the following policy:
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of deposit (or, on the same day we receive your deposit). Funds may not be available until the second business day after the day of deposit. The first $275 of your deposits, however, will be made available on the first business day after the day of deposit.
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