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Re: credit cards
I tried to keep a low credit limit on one of my cards (mainly used for web purchases) but the limit crept up and up. I asked (HSBC) for it to be reduced but without success. Now I use a Cahoot web-only Visa card. That has a big limit BUT it is very safe for web use because the "card" number changes at every transaction. Unfortunately some systems cannot accept such web-only cards eg on Ebay you have to 'register' your card - impossible if the number keeps changing.
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