The way around losing the credit card is you can get cards where they are not tied to any account or debit limit, they simply hold and are good for what ever you put on it, say you go on holiday, you transfer from your bank etc £500 and that is all that can be drawn on the card, if it is stolen or defrauded the maximum that can be lost is the £500 on the card. I know people that use it for online purchases, they put on the amount of the purchase, use the card and that’s it, nothing else can be taken off the card as there is nothing on it.