[RKDinOKC]

Use a card almost exclusively now. Too much trouble carrying big wads o cash. Set up two accounts for my expenses and use VISA debit cards. The debit cards work just like credit cards for protection with the biggest difference being they can only get the amount I have in the account not the limit of a credit card. Even then the amount charged to a debit card is lower than a credit card before you need to approve the charge.

One account/card I use for my recurring monthly expenses/bill like natural gas, electric, etc. It is never used for any purchases. I put the amount needed to cover the expenses each month in that account and that's it.

The other account/card I use for purchases like food/gas/internet whatever. At the beginning of each week I transfer enough to cover that weeks budget. That is the card most likely to be lost or compromised. Can easily just kill the card and get a new one. And bogus charges are re-imbursed just like a credit card.

Doing two cards like this I never have to worry about going to all my recurring expenses and changing the card numbers because it was lost or stolen.

I do not have any actual credit cards.