Frankly, I don't want the hassle -however small- of having to dispute recorded charges. I much rather prefer that fraudulent charges be declined for reasons of

Frankly, I don't want the hassle -however small- of having to dispute recorded charges. I much rather prefer that fraudulent charges be declined for reasons of insufficient funds. [0] It might surprise you to learn that I manually instruct my bank to send checks to my creditors each and every month. Maybe I'm nuts. shrug [0] Yes, I recognize that there's a potential race condition that might enable a fraudulent txn while denying me the ability to complete one of my own txns. Not much I can do about it with the tools that my otherwise wonderful bank gives me. :)