Whoa, $200 a year, just call your card provider if transaction denied, as got to be cheaper. How many times do you get denied. Myself, maybe once a year, and only when if not a normal transaction history for me. Such as buying a drone on AliExpress, which I haven't done in long time. Usual use for ATM or hotel booking. Last week or so, I got denied using ATM/VISA @ BBL, and called VISA, and they didn't deny it, or even show the transaction. So it was BBL software oops, or they turned it off, due to better rate 😂 Past 10 ish days, got denied 2X again, 'contact bank', didn't bother, and it was BBL oops again. As if my bank/VISA denied, they'd have to unblock it, and since working without calling, know it wasn't on my end. Every now & then, FID will ask for a verification, as I hadn't signed in since beginning of the year, so they asked last month, and haven't asked since. Even though I've used debit card to book hotels here, TH a few times this year.