That must be expensive.
Wouldn't it make more sense to put all that money into a single prepaid card and only one set of bank charges? I am assuming that you can't qualify for a regular credit card.
You can also pay for your item by attaching your bank account to your Paypal account. These payments are called 'e-cheques' and are slower than credit card based payments (upwards of 10 days vs. instant) but allow you to watch your budget since you cannot spend more than you have.