How times have changed. Watching some old "Remington Steele" episodes, I'm reminded that one of his character quirks was that he never carried cash and paid for everything with credit card. Apparently this was odd in the early 1980s. And up until...say 1996 or so, if you had decent credit you never paid a late charge. Just call up and bitch and they'd waive it. Then, one day I had a card that had changed providers about 3-4 times in 2 years or so--it was the same Visa card, but every couple months I'd get a letter that would say "MBNA is now the provider of your card" or whatever. Anyway, one day they didn't get my payment on time so I called up and threatened to cancel and they were like "OK." Apparently I wasn't profitable enough in their opinion. These days I've got one card, but I've been meaning to add a second for the unexpected.
Or maybe the expected. Because from...1988 until...whenever they switched to the RFID chip, I'd *never* had my card stolen. I lost one or two and had to cancel them, but never was a victim of fraud. Since they switched to the "more secure" chip, my card gets stolen at least once every two years. And I don't mean stolen--I still have the card. But someone with a radio scanner standing in the checkout line "clones" my card from the RFID signal and makes a bunch of charges on it. Yay, Progress.