Prepaid debit cards allow you to make payments or withdrawals limited to the amount that you have in your bank account
. However, if you require more money, you can easily refill the card over internet or phone and make payments. Moreover, you can also go in for a debit card with an overdraft facility. You can get a Mastercard debit card or Visa debit card with the facility to overdraw money for your urgent payments and that too at a low interest rate. Make sure that you enquire about the terms and conditions related to your card before you take one.