CC still safer. At least the bank will refund u.

If DC, good luck. May take months to resolve.

That's why, I use a prepaid DC to pay for everything after reloading from a bank CC or DC. Anything happen, can resolve online and almost immediately.

I used BigPay, GX, Aeon, Boost, Ryt and TnG as firewalls against unauthorized transactions on the primary bank cards.

Every month, I will reload at least 500 bucks to all these prepaid cards and use for expenses outside.

Any scams will only hit the 500 bucks limit and if reported, u get back the money within days or weeks versus months from the banks.

The actual bank cards like DC or CC will kept at home and will never be used outside unless absolute emergencies like medical or accident.