Same here. I use a Visa Electron for all my online payments. It takes directly out of my bank account and lets me receive payments as well.This. I pay with cash. I also have a debit card for online payments. I've never spent a single dollar i don't have and never taken any loans. And i don't plan to start doing it either.
Its not always the case. For me to make an outside country payment to purchase something, including VPS, the Debit cards don't work and I was forced to get a Credit Card.If I can't afford to buy something, I don't need it.
Is a wise statement that is much greater than my justification for what is now a maxed out credit card because I am never to be trusted with money. Limit is low, not exactly a problem, but a lesson learned This is why Ryan handles billing and I've opted not to touch it.