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Don't be concerned about being called anal. I'm a CPA - we are the definition of ANAL!! Here's what I have done. I found a no annual fee credit card and had the limit set well below what the credit card was proposing. You will have to call the credit card company and request a lower limit (since not many people ask for LOWER limits). Try using $500. Then I only use this card for internet transactions. Low risk and easy to reconcile.

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