The scammer enters the card numbers and PINs into a computer program
that repeatedly checks the retailer’s website and notifies them when
someone buys and loads a compromised card. The crook can then spend or transfer the money on the card, or cash it in, before the buyer or gift recipient has a chance to use it.
More than 1 in 3 respondents to the AARP survey said they had given or
received a gift card that turned out to have no value on it.