Lately, I have considered buying those credit cards - like you see at the checkout counter - Visa and Mastercard - you pay for the card $4.95 - but you can get $ 100 or $ 200 card - I have been thinking this might be the way to avoid these kinds of messes - the card only has the set limit and it only works until all the money is used up - it seems like a safe bet to me. Has anyone else tried this?