&gt; I&#x27;m only liable for up to $50 of fraudulent charges...<p>While true, I locked my Simple card after a $20ish charge in the Dominican Republic, then initiated a support request asking about it. Simple&#x27;s nice and refunds all fraud, but some banks I&#x27;d have saved $30 there.<p>Plus, your not being liable doesn&#x27;t mean you don&#x27;t pay for it. We just pay indirectly - it&#x27;s figured into the bank&#x27;s fees, the interest rates they&#x27;ll pay you on savings, etc. I <i>like</i> Simple, and I was happy to be able to stop it myself before they went and charged $1k somewhere else.