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How Much Do You Know About Gift Cards and Scams?

Take this quiz to see if you are scam savvy

AARP

En español

Published April 01, 2022

8 Questions

9b37a0c2-8c31-402b-9c67-d1ae89911595

How Much Do You Know About Gift Cards and Scams?

[ {
  "question" : "Legitimate uses for gift cards include:",
  "answers" : [ {
    "answer" : "Paying the IRS for taxes due",
    "correctAnswer" : false
  }, {
    "answer" : "Paying the Social Security Administration to get larger benefit checks",
    "correctAnswer" : false
  }, {
    "answer" : "Bailing a favorite grandchild out of jail",
    "correctAnswer" : false
  }, {
    "answer" : "Sending a birthday present to a friend or relative",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Anyone who demands to be paid with a gift card is a scammer, federal officials warn.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "An AARP survey in 2021 found what percentage of U.S. adults had been asked — or knew someone who had been asked — to buy a gift card to pay a bill, fee or other obligation or to claim a prize?",
  "answers" : [ {
    "answer" : "31 percent",
    "correctAnswer" : true
  }, {
    "answer" : "62 percent",
    "correctAnswer" : false
  }, {
    "answer" : "75 percent",
    "correctAnswer" : false
  }, {
    "answer" : "99 percent",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "More than 1 in 10 complied with the request, according to the survey.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How much money did fraud victims lose to criminals in 2021 by buying gift cards, or prepaid debit card in scams?",
  "answers" : [ {
    "answer" : "$39 million ",
    "correctAnswer" : false
  }, {
    "answer" : "$188 million",
    "correctAnswer" : false
  }, {
    "answer" : "$233 million",
    "correctAnswer" : true
  }, {
    "answer" : "$1.1 billion",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "The figure is from reports to the Federal Trade Commission’s Consumer Sentinel Network. Actual losses may be much higher.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "How much was spent in 2021 on retail gift cards such as those used in stores and restaurants?",
  "answers" : [ {
    "answer" : "$376 million",
    "correctAnswer" : false
  }, {
    "answer" : "$695 million",
    "correctAnswer" : false
  }, {
    "answer" : "$7 billion",
    "correctAnswer" : true
  }, {
    "answer" : "$150.1 billion",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "The estimate, from Mercator Advisory Group in Marlborough, Massachusetts, does not include American Express, Mastercard or VISA gift cards.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Yes or no: Gift card issuers are required by law to refund money to a fraud victim who gave away gift-card redemption code numbers to a criminal, but only if a police report is filed.",
  "answers" : [ {
    "answer" : "Yes",
    "correctAnswer" : false
  }, {
    "answer" : "No",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "Criminals drain the value of gift cards quickly, so merchants often say there are no funds left to return to victims.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "AARP’s Fraud Watch Network helpline has heard from people who bought gift cards because they were deceived into thinking they were:",
  "answers" : [ {
    "answer" : "Assisting a pastor, rabbi or other religious leader",
    "correctAnswer" : false
  }, {
    "answer" : "Helping a suitor met while online dating",
    "correctAnswer" : false
  }, {
    "answer" : "Preventing fraudulent charges on a credit card from being processed",
    "correctAnswer" : false
  }, {
    "answer" : "All the above",
    "correctAnswer" : true
  } ],
  "multiSelect" : false,
  "explanation" : "You can call the helpline at 877-908-3360.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "What was the most popular brand of gift cards that fraudsters obtained from victims during the first nine months of 2021?",
  "answers" : [ {
    "answer" : "Disney",
    "correctAnswer" : false
  }, {
    "answer" : "Target",
    "correctAnswer" : true
  }, {
    "answer" : "White Castle",
    "correctAnswer" : false
  }, {
    "answer" : "Fandango",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Target cards were tops, followed by Google Play, Apple, eBay and Walmart cards, according to the Federal Trade Commission.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
}, {
  "question" : "Asking to be paid by gift card is always a scam.",
  "answers" : [ {
    "answer" : "True",
    "correctAnswer" : true
  }, {
    "answer" : "False",
    "correctAnswer" : false
  } ],
  "multiSelect" : false,
  "explanation" : "Gift cards cannot be used to make payments. They are only for gifts.",
  "hint" : "",
  "hintLink" : "",
  "questionImgCaption" : "",
  "questionImgCredit" : ""
} ]

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Widow Loses $13,000 in Gift Card Fraud

Cards purchased at Lowe's, spent in a flash at Target

Gift cards are displayed in the checkout lines at a Target store in El Cerrito, California on Thursday, February 19, 2004. Target Corp. and Wal-Mart Stores Inc., the two largest U.S. discount retailers, said fourth-quarter profit rose as customers bought more winter clothing and holiday gifts.

Gift Card Fraud Losses Skyrocket in U.S.

Report says $148 million was lost to fraudsters partway through 2021

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Health & Wellness

AARP® Staying Sharp®

Activities, healthy recipes, challenges and more through AARP Staying Sharp®

Learn More

See more Health & Wellness offers >

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How Much Do You Know About Gift Cards and Scams?

How Much Do You Know About Gift Cards and Scams?

How Much Do You Know About Gift Cards and Scams?

Widow Loses $13,000 in Gift Card Fraud

Gift﻿ ﻿Card ﻿Fraud ﻿Losses ﻿Skyrocket in U.S.

Gift Card Fraud Losses Skyrocket in U.S.