I have been hit several times for crazy decline fees and others.

They accuse me of supplying the thieves with the PIN. Wise Bread is an independent, award-winning, advertising-supported website.

If, for example, you need credit to cover the cost of vehicle repairs or unexpected medical expenses that you can’t afford in cash, then paying up to in first-year fees for a 0 initial credit line might actually be the most attractive offer you’re going to get.

The ability to earn cash back rewards sure doesn’t hurt, either.

You can withdraw cash at an ATM, pay for purchases, and make travel reservations.

And as the name suggests, you prepay these expenses by loading money onto the card.