No credit cards, use debit card instead. This way you aren't spending what you don't have. Be very careful about using debit cards. Many banks claim they give the same protection as credit cards, but it is not a legal requirement. When disputing transactions, the cash is gone from your account. I have stopped using debit cards except as an ATM card. We have started to have our debit cards reissued as ATM only (eliminating visa/mastercard cobranding).Overdrafts can be very expensive with debit cards.
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