You could use saving yes... as long as you weren't a douche like me & did all your shopping, used up your cash (savings) limit for the day, then tried to do your food shopping at woolworths. With no credit option I was screwed. 3 hours from home & the cash limit is for the card, not just your savings account (couldn't transfer the money into my other account I have under cheque).

Mine is Mastercard debit though. Not Visa.