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I have a debit credit card that is attached to a separate checking account that I don't keep much money in and just use for websites that I make purchases from. I transfer money into it when I'm going to make a purchase so there's enough in there to cover the cost. You might want to use something like that.
B&N does have some sales on books - there's a half-price sale on a number of ebooks this weekend, for example - so that's one reason why you might want to have an account with them.
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