One of the problems is when you're the only game in town you don't have to worry about competition so you can make rules that suit you.
I've got the Virtual Visa, which I've used once (to pay my cable/internet/phone bill) and the debit card, which I have not used yet.
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"Animals die, friends die, and I shall die. But the one thing that will never die is the reputation I leave behind."
Old Norse adage
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