I don&#x27;t understand why Orloff is so excited about giving customers the ability to easily lock and unlock their credit card.  As a customer, that&#x27;s really not very valuable to me.  I&#x27;d rarely use the feature, and it likely wouldn&#x27;t save me any money, since I&#x27;m only liable for up to $50 of fraudulent charges (and haven&#x27;t paid anything at all each time my number has been stolen in the past).