Credit Cards rock! I live off mine. Never online though. It's just a matter of self control. You know how much money you have in the bank, don't spend more than that. Easy.
Cheques Suck! $2.50 + each time for the priveledge of spending your own money? Puh-leaze. And that's not just when you write a cheque. That's EVERY DAMN TIME YOU ACCESS THAT ACCOUNT!
Cheques are only for companies that are too behind the times to accept credit card payments, and tradesman. And maybe the odd online purchase.
That's just my $0.02. Can I put that on Visa?