[Monica]

Lara, I believe that's the reason why! I don't simply understand it if its not in water as you could still use them, however putting them in a bag of water and freezing them keeps a person from immediately using the credit cards... One could of course easily just break the ice or melt it somehow (such as in warm water, or even running cool water over the ice) but it usually takes some time still. Just hopefully no one puts them in the microwave to thaw!