> never managed to grok all the details about credit cards You should look at getting a charge card. Basically a credit card where you can't keep a balance. I

> never managed to grok all the details about credit cards You should look at getting a charge card. Basically a credit card where you can't keep a balance. Its basically a pay-after debit card where you can not pay a charge if its fraud. Some have nice perks, but you can just ignore that if you want.