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Redeem All of Gift Card, or Give Store a Present

By: Ron Lieber - NY Times

Like it or not, gift cards are now a fixture of the holiday season. And this year, some of the changes in the card world seem favorable at first glance.

Last month, the Federal Reserve proposed new guidelines for the industry, rules that legislators had outlined in the sweeping credit card legislation that passed earlier this year. They prohibit fees for cards that have been inactive for less than a year, outlaw expiration of funds within five years of when someone has loaded the cards with money, and call for clear and conspicuous disclosures.

Read the full story here:

http://www.nytimes.com/2009/12/12/your-money/credit-and-debit-cards/12money.html?_r=1&nl=your-money&emc=your-moneyema2