I'm sure there's a good chance this question has been asked before (I couldn't find it), but I'm very new to the iPad and really need assistance. I've also tried to find my answers online, but of course everyone has an opinion. I've called iTunes customer service twice and they were equally inept in helping me. I was planning this weekend to purchase the iPad 2 at the local Apple store but a few things stopped me. I started a secondary checking account so I could use my debit card (I didn't want to use my main one). My questions are: 1) If I use this debit card and for some reason I go over, will it stop the transaction or will I be billed? I worry about hackers also. 2) Is there a way to remove the debit card from the account after making purchases and just add it for each purchase? 3) Is there password protection for purchases? I've heard of problems with this also - that sometimes it doesn't work. This would be my deciding factor in buying one.