hi guys. I have become a believer of bitcoin after studying up on it. I intend to make monthly purchases. I bought a large chunk of bitcoin early September and have them stored in coinbase. Coinbase charge 1.49% to convert from euro to bitcoin. Any better rates out there? Also looking for any recommendations on safe, but convenient wallets. I downloaded the Xapo app the other day and I am applying for a Xapo credit card, it has a Visa symbol on it so you can effectively spend your bitcoin in any shop that accepts visa. Has anyone tried this? Would they make their money on commission or the on the exchange rate for each transaction?