However, banks are now pushing for high annual fee card by combining personal assurance (PA) into their cards. The annual fee of PA card can be more than three times for the ordinary card (typically ฿200 for a debit card). Many customers are often told that basic cards have run out of stock and they can only choose the PA card.[citation needed] In some cases, customers are not allowed to open an account if he or she is not willing to subscribe to ATM service and pay the card fees.[citation needed]