I'm going to get a seperate card that isn't linked to my major account. That way I can use it in ATM's and not worry about ID theft. That's an idea I got from the bank. I used travelers checks once, they were 100's. The ship (Crystal)wouldn't let you change the local money back into dollars, so I still have a large collection of South Pacfic money, that's very pretty but worthless. The banks here won't take it.