But ofcourse this card give arry of features along with global reach acceptability and respect( some how an aroma created by the Amex) , the basic for subscribing remain to the normal person is that one should need not have to carry cash , and if this card insists on full payment very nice , but this is a feature available with all credit card , no card co can force u to pay interest unless u pay short, and if u r determined to pay in full , then there arise no point as to why u should pay high annual fee. moreover one must also check if the card issuing co. issue photo card ( this feature atleast can check if not eliminate wrong use of card in real world; since this feature cannot stop net payments and net related wrong.)