SoberP, my daughter turned 7 today, thank you.
ATM cards. Well, since mine somehow got hacked this past weekend, see earlier in thread, I'm leery of them. However, mine is an ATM debit/credit card with a Visa stamp but through my bank. I'm not paying for the theft. They will credit the bad charges and they did stop the card when they saw five transactions out of my geographic area. Still, it's inconvenient. Especially since I almost never keep cash since Mr. Ruby takes it all. Bottom line, ask your bank.