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Can I get my money back if a business closes and I’m holding a gift card?

Judy Royal
StarNews

Here today. Gone tomorrow. Unfortunately, it’s not too uncommon for businesses to close up shop suddenly, even overnight in some cases. When you’re left holding a gift card, you might feel duped knowing the cash paid for it is now worthless. Is there anything you can do?

Here’s what Noelle Talley, public information officer for Attorney General Roy Cooper and the N.C. Department of Justice, had to say:

“We suggest that consumers buy gift cards from well-established stores to improve the chances that the retailer will still be in business when the gift certificates are redeemed. If you buy a gift certificate with a credit card and the company closes before the certificate can be used, you may be able to contest the charge through your credit card company. Consumers who have a gift card for a company that has closed may want to consider contacting the person who gave them the gift card to see if they can dispute the charge with their credit card company. Consumers are also welcome to file a complaint with our Consumer Protection Division.”

For more tips about what to do when a business closes its doors, click here.

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