Just a tip on how to more safely use credit cards:

[1939]

10. The way I do it

The checking account has the retirement checks and social security feeding into it. It is used to pay bills with surplus transferred to the savings account. There is NO debit card for this account ever for this account.

One credit card (the one with the best record of reversing fraudulent charges) is used for on-line buying.

One credit card (with the best cash back offers) is used for day-to-day purchases from brick and mortar stores.

One credit card is used for travel expenses (airline, rental cars, hotels, meals).

Cash advances are taken on a debit card on a brokerage account with the broker on notice that he could lose the whole account if I get jacked around with fraudulent activity ( I notify him when I will be traveling)