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I use a bank debit card for online and larger LHS purchases - as grayfox says, carrying large sums around in cash isn't a good idea. I don't have a credit card - from what I've seen they seem to be a very bad idea for students - many of my friends have spectacular debts which they cannot pay off but only manage, and I really don't want to get into that situation! Cash is for smaller amounts, and eBay purchases are paid for by cheque.
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