I think Olly meant she felt iffy about using online banking because she doesn't trust her internet connection. That's fair enough; I never do internet banking or Paypal whilst at uni. Whilst the ITS department are generally pretty good and there's a strong chance their system is even safer than the one I have at home, I'm just a bit hesitant at using a network that I didn't build myself and for which I don't know every step of the route.
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Shit, I can't have a credit card because I'm under age! XD I could use my parents' credit card but they don't allow me to do it... I'll wait!
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That's why you get a debit card; it acts like a credit card in that it goes through the Visa or Mastercard systems, but takes the money straight out of your bank account