Haven't had a credit card in years.
Never touch my bank card except to withdraw cash from an ATM. (My salary is in fiat and goes into a bank)
Cool thing is that in Thailand one can buy Bitcoin anonymously because of cardless withdrawal from ATM.
It works since the counterparty at the ATM doesn't need your name to process the transaction. You do that from home on the sofa wjth your phone. They merely send you the QR on the ATM terminal display