Is the MasterCard Balance Insurance worth it?

It’s just a way to get more money from you, another source of revenue for them. don’t do it.

AND, If you want a credit card, I recommend going to a local credit union or bank in your city and applying for one through them. My visa card is through a local credit union and if I have any issues / questions I can walk right in there and get service. I can also make a payment there as well. There is still something to be said for face to face customer service, it’s well worth it, and I don’t feel like I’m feeding “the big machine”.

P.S They never even mentioned balance insurance. I do all my banking with little banks, we need them to stay afloat. They do things right and don’t get in trouble and ask for government bail-outs ect.