Usurper,

You didn't hint at you bet outlay. If your a $50 to $100 out of pocket a week mostly Sat. punter like most punters and don't want to be in front of a computer 5min. before each race, keep doing what your doing. No credit cards involved [that cost card charges for a start, self control and good money management]. Cash in and out of hand betting at TAB outlets or account is the way to go for small amounts of weekly outlay.

If your betting larger amounts and/or want to sit in front of a computer on Sat. Go Betfair. Away from computer go AIS or top fluc. with a bookie. Credit cards are involved.

If you drink on Sat., when betting, stick to cash in and out of hand regardless of your bet amounts. The few % difference here for the above bet outlets are not worth the bother.

Anyway, that my 2 cents worth of advice.