holidays or othwise I preload my card every so often . the one thing to remember though is that if you lose a card which is in credit, that such credit ( or preloaded amount) is NOT covered by the reporting of the loss of the card, only when the card is in debit are the cc providers liable. so if you lose a card on holidays, and the card is used to purchase xxxxx, then you lose any money you had in credit on that card. I agree with the poster who says that most people wouldn't spend €13,000 on holidays so I would be suspicious of such amounts being preloaded. definitely.