If the transaction date is beyond the “valid thru” date on the front of the card, the transaction will be declined. If the current date is within 30 days of the “valid thru” date, the customer may take the card to the mall customer service center where the mall staff may be able to transfer the available balance transferred to a new card. The customer may also return the card to BB&T Financial/MidAmerica Gift Certificate Company for a refund of the available balance.

Any mall store that accepts the Discover Card will accept a mall gift card.

Mall gift cards are available in any denomination from $20 to $500 per card.

Yes, the mall gift card is a fantastic gift for anyone at any age!

Yes, simply tell the retailer: The exact available balance on your mall gift card; Before using the mall gift card, pay the remainder of the purchase by some other means acceptable to the retailer. If you don’t tell the retailer before you begin the transaction and you attempt to make a purchase for more than the amount on the mall gift card, the transaction will be declined because you do not have enough money on your mall gift card.  Always keep track of the balance on your mall gift card so that you do not attempt to make purchases for more than the available balance.

No. The mall gift card is not a credit or debt card, so the gift card will have no functionality at an ATM.

There are at least four ways to determine the available balance on your mall gift card: 1) Present your card to the mall’s Customer Service staff; 2) Visit www.MyMallGiftCard.com; 3) Check the authorization number on the receipt on your last mall gift card purchase (the majority of Discover® merchant will show the available balance as part of the authorization number; i.e. authorization code 001735 is $17.35 remaining balance); 4) Call 1-800-798-4099 and follow the voice prompts. The first call each month is free. Subsequent telephone inquires in the same calendar month will result in a $.25 fee deducted from the card’s balance.

No.

North Shore Square Mall gift cards are not charged an activation fee; however, there is a $2.50 monthly maintenance fee starting the 13 month after purchase.

You should always safeguard your mall gift card, as you would cash, credit card or a paper gift certificate. Unfortunately, if you loose your mall gift card, it is like loosing cash.

No. However, if you have the original gift card receipt showing the initial loaded value and the account number of the lost card, you can send documentation along with your name and address to BB&T Financial/MidAmerica Gift Certificate Company for a refund of the card account’s available balance. The refund amount will be the account’s available balance when BB&T Financial receives your documentation. Please allow 6-8 weeks to process your refund.

The retailer’s return policy will dictate the options available. Most likely the retailer will offer a store credit or a store gift card; however, in some cases returns may be placed back on the original mall gift card that was used.

Typically there are only a couple of such circumstances: 1) A transaction is attempted for an amount greater than the available balance; 2) The retailer attempting the transaction may not be recognized as a participating Discover® merchant; 3) The magnetic strip on the back of the card has been damaged and is not readable by the retailer’s equipment. In this instance, either return the card to mall customer service center where the available balance can be transferred to another card or return the card to BB&T Financial for a refund. Using my mall gift card at restaurants, hair and nail salons and other personal service retailers. Most restaurants and salons temporarily add approximately 20% to your bill to cover the tip. Make Sure your balance can accommodate the additional 20% or your transaction will be declined.