It's more than three months since Christmas, and Shelley Hunter says it is time to spend your gift cards.
The woman who calls herself the "Gift Card Girlfriend" says those cards may not expire but they can get lost or lose their value.
"Use your gift cards right away so you're not susceptible to this kind of thing," said Hunter.
The spokeswoman for www.Giftcards.com says when stores or businesses declare bankruptcy their cards are often worthless. Hunter says there are now $44 million worth of Radio Shack gift cards that have never been used.
"If you have a gift card to a store that is going out of business or you know it's having some sort of financial trouble, the urgency is even greater," said Hunter.
Even businesses that are still open may not be accepting gift cards if they are going through restructuring. If you're not sure what you want to buy with the card, Hunter suggests using it to buy a gift or present for someone else.
You can buy a gift and sell it online or donate the gift and use it as a deduction. There are also companies that allow you to exchange your card or sell it online.
