Do any of your banks have a card that is a mix between a cc and an eftpos card? Its like a credit card but you use money that you HAVE that is in your bank account. Only one of our banks, westpac, have this card if im not mistaken, is this kind of card common overseas? cos if i had this option when i got a credit card i would have never gotten a credit card. 20% interest is fricken stupid. Oh yeah and the card im talking about is part visa, it works wherever visa is accepted.