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theyve become the go-to gift for any occasion most recently Christmas but theyre the gift most likely to be forgotten collectively Americans have about 21 billion dollars worth of unused gift cards and other store credits a recent bank rate survey found half of us have lying around gift cards bow Jers or store credits worth on average 167 dollars more if youre a millennial close to two hundred and fifty dollars worth for each millennial in this study Bank rates Ted Rossman says across the board these unused bits of treasure are a serious issue this is real money people need to take advantage of this my number one tip is take inventory of what you have put those old gift cards to use use either for yourself or use for Wii gifting just dont hang on to them inflation could erode some of that buying power if a store goes out of business the gift card could be worthless another reason why the best time to use even the best gift cards is now Chris clackum NBC News