Damaged Card
Avoid costly replacement fees by taking care of your card:
1) Protect the magnetic stripes by storing them away from credit cards with raised numbers that can scratch the surface. Since you will use your card often, consider a separate sleeve connected to your keys.
2) Do not hole punch.
3) Keep away from heat.
4) Keep away from wireless charging mats.
Damaged cards are subject to a $20 replacement fee.