That sounds like a hassle to me, and from the point of the fraudulent charge to the chargeback you could have been affected by bounced checks due to unexpectedl

That sounds like a hassle to me, and from the point of the fraudulent charge to the chargeback you could have been affected by bounced checks due to unexpectedly deplete funds. I don't see the value when you get complete protection, and 30 day free loans from a credit card for no cost.