Yeah, it's unfortunate that the spectre of credit card fraud is so huge. It makes a lot of things very inconvenient. Sadly, I suspect that the way things are going, you may not have a choice at some point. I know that (as an example) my bank doesn't even allow you to get a non-Visa Debit card now. I mean, you can refuse an ATM card entirely, but you can't get an ATM card that's not attached to a instant-withdrawl VISA number.