Checked your MyGift Visa/Mastercard balance and it shows $0 — even though you barely used it?
Don’t panic. There are 5 common reasons for this, and most are fixable.
🔍 1. The Card Was Already Used
Sometimes, cards are compromised before reaching you — especially if bought from third parties.
✅ What to do:
- Check full transaction history at giftcardmall.com/mygift
- Look for unauthorized charges
- If suspicious, report fraud
🔍 2. You Were Charged More Than You Think
Prepaid cards often have:
- Hidden holds (e.g., gas stations, hotels)
- Partial authorizations
- Service fees or tips
✅ What to do:
- Review merchant charges
- Call support at 📞 1-877-322-4710 if amounts don’t match
🔍 3. Auto-Fee or Inactivity Deductions
If your card is older than 12 months, it may be subject to:
- Monthly inactivity fees
- Replacement or maintenance fees
✅ What to do:
- Check card issue date
- Review your card’s fee schedule online
- Use or register cards soon after purchase to avoid this
🔍 4. Transaction Is “Pending,” Not Final
Your balance may show $0 due to a pending transaction hold.
This happens when a merchant pre-authorizes a large amount temporarily.
✅ What to do:
- Wait 1–3 business days
- Funds will be released if not captured
🔍 5. Website Glitch or Sync Issue
Sometimes the balance shown online is outdated or shows $0 in error.
✅ What to do:
- Try again in incognito/private mode
- Use another browser
- Call balance check line: 📞 1-877-322-4710
🧾 How to Check True Balance
- Visit: giftcardmall.com/mygift
- Enter card number, expiry, and CVV
- Or call: 📞 1-877-322-4710
- Look for recent charges or holds
🛡 What If It’s Truly Gone?
If the card is truly emptied by fraud or mistake:
- 📄 File a claim at report fraud
- Include:
- Purchase receipt
- Screenshot of balance
- Transaction list
- You may get a replacement card (may take 4–6 weeks)
🔗 Related Troubleshooting Guides
❓ FAQs
Can I get a refund if someone used my card? Maybe — if you report it quickly and have your receipt. They may issue a replacement. Does my balance expire? Not for 5 years, but inactivity fees apply after 12 months. Can pending holds reduce my visible balance? Yes — and they can last 1–3 business days.
⚠️ Disclaimer
This blog is not affiliated with GiftCardMall or MetaBank. For official help, always call 1-877-322-4710.