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Thanks for that link and information Dazzer, I had not heard of that additional protection offered by debit card issuers, good point well made. Thank you.

Bit inconvenient, I tend to use my Visa credit card for most purchases each month then settle in full when billed, as previously pointed out, mainly for extra consumer protection. This protection must come at a cost hence Visa being a more expensive player in the credit card business. Hope they...