> For my current account, I get a VISA debit card that works exactly like =

> a normal credit card (it's VISA after all).
>   =

Just watch the fees. at least in the uk a lot of debit cards have pretty =

high fees for foriegn transactions (I get charged =A31.50
for transactions in US dollars on my british halifax debit card). I =

doubt the conversion rates are very favorable either.
> When I actually want to make a purchase with the VISA card, I use =

> internet banking to transfer money from my savings account to my current =

> account, (which happens instantly), and then I make the purchase on the =

> card.
>
> 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. =

Watch out! some types of card transaction do not check the balance =

before the transaction so even if your overdraft limit is zero it is =

still possible to end up overdrawn (and with a nasty unauthorised =

overdraft fee as well).
-- =

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