Why don't you try a debit card?

You don't have to have an overdraft - you can simply spend your own money but be able to spend it like you would a credit card (internet etc). I have a VISA debit card (through my Credit Union) and I only have a $500 overdraft which I haven't even used yet. I just spend my own money but I can still buy things online and pay for things over the phone.

I think it's a much safer option!!