Hee hee, thanks for all the anecdotes guys! I enjoyed reading them. A friend of mine, had a Visa card hooked up to her checking account. She had her web site hosting drawn off that account. The site became very popular, and exceeded the bandwidth limitations on this 'unlimited bandwidth' hosting site. So, the web host yanked her site, changed the passwords, refused to communicate with her, yet KEPT CHARGING HER MONTHLY for it. She finally had to close her checking account to get them to stop. No protection whatsoever from her Visa/checking account combo, because it wasn't really a Visa card! I learned then, that Visa cards sucking directly off your checking account, are bad bad things.