It looks tempting to me as my current credit card charge me annual fees, even though I do not need to pay for it as my annual usage allowed me to waive the annual fees automatically.

Beside considering the free annual charges and longer interest free period, which does not sound attractive to me as both does not benefiting me, I am looking for more before I take up the offer.

I look through the offer letter and I notice that it did not mention about the amount that I need to responsible should I lost my card and report it within 24 hours. This is a grey area as credit card fraud case has been increasing daily as I do not wants to be a victim with tons of charges which I do not purchase anything at all.

I am very careful about using my credit card online, what I did was I had a credit card with maximum credit limit of $1000 specifically for Internet purchase. The is to assure that if there is any Internet credit card fraud happened case to me, my maximum lost is limit to $1000 only.