It’s not always easy. But here’s how to get every cent’s worth from your used gift cards.

Some of us just forget to use them — others will buy things with the card but won’t use the entire balance.

In fact, a consumer reports survey finds that nearly 20% of consumers have three or more gift cards with balances. Some don’t even know how much. And spending those remaining dollars isn’t always easy, especially if it’s only a few dollars.

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