But it's not ideal, says Hardekopf. "Whenever Banks are restricted in making money in one area, they find another way to make that money."

但这并不是最理想做法，哈德卡夫称，“每当银行在某一领域的盈利能力受到限制，它们就会另辟途径，把这笔钱赚回来。”

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Bill Hardekopf is the CEO of LowCards.com, a site helping consumers understand the complex world of credit cards.

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Laws governing "abandoned property" are another hazard of store gift cards, says Hardekopf.

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"The best way to use a gift card is to spend it as soon as you receive it, " Hardekopf says.

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