When I logged on to pay my credit card balance, there was a notice that I could personalize my credit card. For free! I like free. Free works for me. Free and I are buddies. You could choose an image from their photo gallery or upload one of your own. But why in the world would I want to use someone else's photo? The notice said the company will make you a new card (free!) as often as every 60 days, so I didn't obsess about which photo to chose. I went with this Great Blue Heron I took while I was walking by the lake. Their editing program let me reverse the photo so that the bird's beak wouldn't be obscured by the writing. So now, no one in this world will have a card exactly like this one. And best of all? It was free.