Recently I was gifted a Visa gift card for $50.. When I went to use it for an item I was finally interested in some months later, the merchant told me it would not process. I called Visa and learned to my dismay, that there is a $2.50 charge per month each month while there is a balance on the card. I am 67 years old and literally had to find this 'fine print' with a magnifying glass on the back of the card. When a buyer or gifter presents a friend or relative with a 'gift card' for $50 it should be for $50 ! This policy on the part of Visa to charge a fee each month is shameful!