As for getting charged multiple times - folks, get a normal bank account!
Here's what i have. My bank acc is a single one, for 1 person - me. It has 2 various currency accounts - 1 is 'main', other is secondary. I can get more (in euros for example) - but no need for it so far. Main account is in russian roubles (with a Visa Electron card), 2nd is in USD - and has Mastercard Virtual attached.
So when i go out and buy a beer - i can pay with cash - or Visa card (prefer cash actually). And when i need $$$ on USD card to pay for daoc - i just log in to bank internet website, enter a login/pass and there i can do various stuff - including money transfer between 2 accs. Usually i have like $3-4 on USD card - and when i need to pay some - i just transfer a sum i need and pay immediately.
Also this bank allows to create (and destroy them later) completely virtual cards, ie - number only. You create one, transfer money to it, pay, then remove it (or save for later). I havent used this service - no need, that secondary USD account works ok.
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