I chose to get this card due to the ease of using paypal in the past. I use paypal to pay for my online purchases most of the time. I feel its a secure way. I chose to get the card and around 8 months in I had discovered a fraud charge. I immediately called. They cancelled the card, sent me a new one and within a week I was credited back the money. A few days later I received a letter about the charge being fraud. I call the phone number to pay my bill and if it is usually credited that same call. I have the app, can go online and/or call form information and never have had a problem otherwise.