Christmas shopping is just around the corner, and for many savvy shoppers, it’s probably already commenced. For some, it might be the favorite time of year, and for others the task of finding the perfect present makes them want to hibernate until New Years. As long as I can remember, gift cards have been the go-to choice when you’re out of options. It’s easy and very stress free. I’m surprised Santa hasn’t gotten the memo. But how do you know if person even likes the particular store? Wouldn’t it be easier to give the person cash instead? But then one has to worry that the gift recipient thinks you’re lazy. There’s the Seinfeld episode where Jerry gives Elaine $100 for her birthday. She says, “What are you, my uncle?” Aside from Seinfeld, one may want to reconsider giving gift cards this holiday season. The Credit Card Accountability Responsibility and Disclosure Act of 2009 placed restrictions on expiration dates and require companies to disclose fees. However, these rules do not take effect until next August. A few companies such as American Xpress are reportedly discontinuing their gift cards due to the new restrictions. However, it appears they will be around for the holidays. Before gift cards are purchased for the holiday season, it may be beneficial to look up the terms and conditions on the websites.