I am not familiar with prepaid debit cards. What is important to know about using this card?
我不熟悉預付借記卡。使用此卡有什麼重要須知？
The Economic Impact Payment Card is a VISA prepaid debit card. The government has loaded your Economic Impact Payment onto the card for you. You do not need to pay this money back and you will not be taxed on this money. Once activated, your money is safe on this card and is eligible for FDIC insurance. Be sure to immediately report if your card is lost or stolen.
If you have had a checking account debit card or credit card before, this card may be a little different. First, this card is not linked to any bank or credit union account and will not have any impact on your credit score or help you build your credit. You cannot overdraft or spend more than what has been loaded on the card. If you don’t have enough money to cover a purchase, the transaction may be declined or partially authorized. If this happens, you may be asked to use another form of payment to pay the full or remaining amount if you want to complete the transaction.
You can get cash, request a check, or make a purchase anywhere VISA debit cards are accepted. Each time you use your card, the amount will be deducted from your balance until you use all your funds. You will not be able to load your own money on this card and your money will not expire. If you do not use all your money before the expiration date printed on the card, you can call customer service to request a refund check for the remaining balance.
Tip: If you use this card to pay for gas, give your card to the attendant to pre-pay for gas rather than paying at the pump to avoid a pre-authorization. A pre-authorization puts a temporarily hold on your money that could be greater than the transaction amount and may take up to 10 business days to be released back to you. Paying the attendant to pre-pay for gas can help you avoid placing a hold on your money so that you have access to your money if you need it.
經濟衝擊紓困卡是一種 VISA預付借記卡。政府已經將您的經濟衝擊紓困金存入此卡中。您不需要繳回這筆錢，也無需為這筆款項繳稅。卡片啟用後，您的錢就會安全地存入此卡中，並且適用美國聯邦存款保險公司（FDIC）保險。如果您的卡片遺失或遭竊，請立刻報告。
如果您先前已有支票帳戶借記卡或信用卡，這張卡片有些不同。首先，此卡並未連結至任何銀行或儲蓄互助會帳戶，不會對您的信用評分有任何影響，也不會幫助您建立信用。您無法透支或超額花費已存入此卡的金額。如果您沒有足夠的錢支付交易費用，交易會被拒絕，或僅獲得部分授權。如果發生此種情況，但您想完成交易，則會被要求使用其他付款方式支付全部或剩餘的金額。
您可以在任何接受 VISA 借記卡的地方提取現金、申請支票或購物。每次您使用卡片，金額都會從您的餘額中扣除，直到您將所有金額用盡。您無法將自己的錢存入這張卡片中，您在此卡中的金額不會過期。如果您在卡片上印出的失效日期前沒有用盡所有金額，可以致電客戶服務部，申請餘額退款支票。
提示：如果您使用此卡支付汽油費，請勿在加油機上付款，請將卡片交給服務員，預付汽油費，以避免要求預先授權。預先授權會暫時凍結您的錢款，凍結額度可能會大於交易金額，並且您的錢款可能要長達 10 個工作日才發還。向服務員預付汽油費可幫助您避免錢款被凍結，讓您可以在需要時使用。