I have two Visas, and that's all. I put a security freeze on my credit accounts several years ago when my social security number was on an accountant's laptop that was stolen from his car---that means no one, not even I, can open new credit accounts or take out loans without an extensive process. That's as safe as any of us can get, I think. I am comfortable using the Visas because federal law protects us against credit card fraud. I think debit cards are far more dangerous since those tap right into your bank account, so I have only an ATM card. That's my best effort to stay protected.