DEAR HARRY: I finally paid off my credit cards, and I'm never going to get into hock that way again. My bank is now offering a "prepaid debit card." This card requires that I prepay the bank for the credit they put on the card. The balance comes down as I spend, and I can't spend more than the prepaid amount. That will save me the money I presently get hit for in overdrafts on my old debit card. The problem is that there is a monthly charge of $4.95. My overdrafts last year totaled almost $100. Sounds good to me. How about you?