Don't have a credit card any more , just a couple of accounts with a single debit card on an account that has no money in it till the EOM when I do my banking .
Customers money in, cheques to my suppliers out and back to a couple of hundred balance
Australian banks have less than no idea about digital security yet they want us all to use pay wave .
Just about every one on AliBaba / Made in China or Made in India will take PayPal
I closed my personal bank account 3 years ago and use a share trading account instead , much better interest rates , if you consider a dividend as interest and capital growth to boot .
I should have done it decades ago.