Surprise! Tricky terms of use you might want to know about before using your gift card

A reader wrote in about a host of surprises that turned a gift card intended as a nice gesture into a big pain instead.

Visa and other national gift card issuers don't make the terms of the cards a secret. But, let's face it, who sits around reading them? There are a lot of terms and conditions and most people don't know them until they run into them. Unfortunately, that's about the worst time to find out.