Thanks for the detailed info as usual. I also have a personal card with auto add-value. But I don't want a personal card anymore, because it doesn't provide any security advantage. Question, can I just changed it on service station with a new regular card with auto add-value? I wonder what did you do with yours. Another interesting question would be, say I haven't used the card for awhile, so no notification still, would that also means no penalty until...?