A method (10) and system (50 or 200) of using a credit card media type (54) integrated with a wireless communication device (52) can include determining (12) that the wireless communication device is inoperable for use in a commercial transaction and enabling (14) the use and authorization of the credit card media type with a predetermined restriction profile that is more restrictive than when the credit card media type is used with the wireless communication device when operable. The method can lower (16) the payment authorization amount or limit a type of item that is purchased to a predefined type based on a remote network being unable to communicate with the wireless communication device. The method can also remove (18) the credit card media type from the communication device and enable the use and authorization of the credit card media type with the predetermined restriction profile.