> Which is a PITA but ultimately the card company will cover it. Most of the non-major banks are a pain to even open disputes with — not to mention: - having

> Which is a PITA but ultimately the card company will cover it. Most of the non-major banks are a pain to even open disputes with — not to mention: - having to receive a new card (a pain if one's frequently on the road, or if the bank doesn't ship overseas); - change any recurring billing details, if needed; - possibly set up direct debits (sometimes with paper forms, like in Singapore); - some other stuff I haven't thought of.