Because of the many fees that apply to obtaining and using credit-card-branded prepaid Business Line of Credit cards, the Financial Consumer Agency of Canada describes them as "an expensive expedient to spend your own money". The agency publishes a booklet, "Pre-paid cards", which explains the advantages and disadvantages of this type of prepaid card.

"Soft fraud" is fraud committed by the customer himself: getting a card and using it with no intention ever to repay the balance