I have no idea! She said they maker her nervous. lol I guess it is good to be cautious, I would rather that than have her go hog wild with one. She knows I get a lot of them. She knows that is how I have paid for our last few trips. If she does do the Ecuador trip she will need to pay for it herself, but I don't think a CC will help her there. It is through school and she has to make payments by Venmo to someone. She is suppose to go to Canada for a week this summer but the room is paid for and I think they are driving up, so not really any help there either. I didn't mind paying for her gas when she was driving to school and practices as that was less gas for me, but now that she has a job this summer she will need to pay for her gas so I just need have her get the Discover soon. I don't like them paying gas with a debit card.