Warnings of suspicious activity make me wary. The call I got from my bank was recorded, I thought it was a phony call to get me to give out info and so checked w/my local branch. Found out it was valid. I'd just looked at my acct. online that morning and all was well was why I suspected a phishing scam with the call from the bank. The reloadable VISA seems like a good idea. My concern is what charges are associated with the use of one? I'll have to look into it. I tend to use cash for a lot of local purchases, I only use bank ATMs. Even they aren't 100% safe. I do use my card for gas. Maybe that's a convenience I should forgo.