As soon as I discovered the advent of a Debit Visa, I upgraded my bank card and account (for free, thankfully). I wanted to make all the purchases I would be able to make with a credit card, but with my own money and not a corporation's. This includes online shopping and booking hotels. I prefer not being swarmed in the trappings that encompass credit cards. Exorbitant interest rates and the possibility of future purchases being negated because of "poor credit" is a big turn-off for me. Owing credit card companies money is something I plan to avoid as much as I can. Unfortunately, there may come a time when I will need a credit card/line of credit, but so far I have been getting along without one perfectly fine. Does anyone else prefer using your own money for transactions that would normally require a credit card?