I will not feed the 'CC monster" and the overhead that's built in.... banks make a fortune on CCs, pennies on a debit fwiw.
If you bought a $50K SUV on a CC... "someone" paid "the CC monster" around $2K for that added convenience. They would have paid less than $1 via a debit.
Both are secure these days imo.... wasn't always the case when debits first appeared.
I simply refuse to play "their game".
WF owes me a pension fwiw ... I also moved $$$ around for another mega-bank ....
But I am NOT a banker