A few years ago I had a debit card that really got me in trouble.  I had ATM cards before but that was my first real debit card that I could but stuff online with.  First off I got memberships to netflix, Columbia House DVD club, and participated in a few special offers to get a free XBOX 360.  Within a month my card was WAAAAY overdrawn and my account was closed.  Needless to say I’ve been very reluctant to get another bank account  and since then cash worked just fine for me.