I use my Visa card only when abroad or when booking, and for some time now I have set a cash withdrawal limit on it of no more than 100 rubles / day. In June, I booked a stay at the Sun Island Resort & Spa5 * hotel in the Maldives from 25.
The most terrible experience from this viper. I was on my way from Pskov to Novgorod, I was only going to spend the night. I chose this hostel because It is close to both the railway and the bus station.