>So if my card gets robbed or skimmed or anything, there's nothing
>the thieves can do with it because my current account is empty.

You are correct to a point, but such thieves are adept at deciding what the 
floor limit for a shop is (the value below which they do not need to get 
authorisation from Visa - it is automatic authorisation), and spending below 
that limit.

So you could still have considerable debts run up on the card because these 
transactions will get charged to you, even with no money in the account.

It is still necessary for you to very promptly let your bank know that the 
card has been stolen, for them to stop such charges appearing on your 
account. 

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