I use this to set some money back for the later part of the month, although it doesn't always work this way. These VISA Cards work well to hold funds for 1 month or several years.They are gift cards, so you can give them as gifts or gift yourself.It is better to gift someone money rather than some item you think is perfect, and they don't care for it.Amazon stands behind them so I think they are safe. They are only good for online purchases but they work pretty much Visa gifts are accepted online.