[wraymond]

I use my debit card (current a/c) for everything. In the event of a large purchase I use my credit card and pay that amount in to the credit card company the following day by transfer from my current a/c. That ensures instant funds. There is no charge for the transfer and the most interest that could be levied by the credit card provider is 1 day. The one day delay ensures that if necessary sufficient funds can be transferred from savings to current a/c.