I'm looking for advice on good ways to reduce my exposure if e.g. someone nicks my wallet or forces me to take money from my normal account, or uses a skimmer and hidden camera, etc.
I normally carry a credit card with a fairly low limit, a debit card with a low overdraft, and a couple of cash-only cards for savings accounts, and that's it. The low limits reduce the potential losses if someone gets hold of the card details, but it's still pretty large if they do it just after pay-day - salary is just under four times the overdraft limit.
I'm looking for something that's easy to top up on-line from my main account, and can be used credit-card or debit-card style (debit style preferred) to buy stuff like railway tickets, groceries, etc. I want to have no overdraft at all on the new card. Bricks-and-mortar bank branches are optional.
I'd rather not have it obviously connected with the same bank that issued all the cards I have.
What does anyone suggest?