> they become hidden in their wallet or drawer. The big box stores love this because the gift cards are already an interest-free loan Gift cards are often bett

> they become hidden in their wallet or drawer. The big box stores love this because the gift cards are already an interest-free loan Gift cards are often better than an interest-free loan. In some/many states (not CA), the issuer can impose "inactivity" charges. Yup - while it's sitting in your drawer, they get to bleed the card's value down to $0.