A memory apparatus is provided that includes a storage element configured to store and retain information based on the state of an electric resistance, and a circuit element connected in series to the storage element as a load. The image is stored on a server and re-sized for viewing on a mobile communication device based on screen size and color display capabilities of the device. On a pre-set time basis the credit card provider will automatically upon notice to the customer, deactivate the main card and activate the spare card.