Know somebody whose birthday is coming up and you need to buy them a gift? Or, maybe you need to buy someone a congratulations, graduation, thank you, or special holiday gift. It can be hard to know exactly what to buy that special person.

Gift-giving is not as easy as one might expect. You would think it would be a cinch, what with the thousands of products and services available online or in nearby department stores. In reality, though, the more choices you have, the harder shopping becomes.

Compounding the problem is that, in the modern era of instant gratification, most people of any means at all will just go out and buy what they want or need. Translation: anything you could buy this person that they would actually want – they likely already have.

Traditionally, the solution to the problem of what to give someone as a gift has been solved by giving the gift of cash. Stuffing a midsize or large bill into an envelope with a card has been a socially-accepted way of giving gifts for decades. Trouble is: it’s a bit boring and uncreative.

So, what can you do if you are stuck between the inability to choose amongst a million products on the one hand and the choice to give boring old cash on the other? Answer: give them a debit gift card.

Debit gift cards are simply pre-paid cards that carry the symbol of a major credit card issuer like Visa, American Express, or MasterCard. The recipient uses them just like a credit card, right up to the denomination or value with which it was originally loaded.

If you are considering buying a debit gift card, here are 5 reasons they are better than giving products or cash:

1. Safer than giving cash:

Cash can get lost or stolen. But, with a prepaid debit card, if it is lost, the recipient can choose to immediately call in the card number to get the card frozen from making future purchases. You can’t do that with cash!

2. Debit cards are more fun to receive than cash:

When it comes to gifts, receiving a prepaid gift card feels a lot more exciting than just getting cash. It gives the impression that you put some extra forethought into the gift, rather than just pulling some cash out of your wallet and sticking it into an envelope. Plus, unless you went to the trouble of getting them a crisp, new bill from the bank: cash is just plain dirty – quite literally.

3. Offers protection against damage or loss of purchased items:

Most prepaid debit gift cards come with product purchase protection. This means that, if the recipient should make a purchase of certain goods and they get lost due to theft or are damaged within 90 days, the issuer will cover the replacement costs. (Check your card’s policy for details before buying).

4. No need to run a credit report or apply:

Of course, to use a traditional debit card you need a bank account, and to use a credit card you must go through a lengthy credit application. Not so with prepaid gift cards! You can buy one over the counter or online and have it shipped directly to the recipient.

5. They can check their balance online or by phone anytime:

If the recipient needs to know their balance, they can check anytime by calling the phone number provided with the card. The same number can also be used to report the card if it is stolen.

Consider these 5 benefits of giving someone a prepaid debit card as gift instead of products or cash.

Author Bio: Find great debit gift card deals at: Prepaid Gift Card Warehouse.

Category: Recreation
Keywords: debit gift card, prepaid debit gift cards, prepaid credit cards, buy debit card