Gift cards are wildly popular, especially around the holidays. But certain cards may end up becoming more of a hassle than they're worth.

Sue Majors, who recently received a $50 Visa e-gift card, thought it would be simple to use.

"I thought it was just a Visa card, and you could use it like a Visa card," Majors said.

To save money, she thought she’d use the gift card to grab lunch, but quickly ran into problems.

"I was told on any food purchase they withhold 20% until some later date," Majors said.

Instead of applying her $50 gift toward the meal, she was left confused.

Visa gift card warning: Why it doesn't work like a regular gift card

Kate Ashford with the personal finance company NerdWallet explained there are limitations to using Visa gift cards and similar products at resta

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