thanks keith,
the cards seem a good idea,i will get , caxton and fairfax you recomend either is caxton better.
im also looking for something more permenant , this is why i was looking into pnb, as it seems popular recomended on here, plus my lady has pnb account in phill, i was just a bit concerend that the pnb links application pages on 2 of their sites looking different,looked a bit suspect maybe one of them a scam site, is why i had asked if a pnb customer could give me a ligit link for their site