If there's an option to use cards, I use that instead of credit cards. Also, for Xbox and PSN you don't need to go out to the store every time. You can get online codes instantly via Amazon. I trust them a hell of a lot more than I do Sony and Microsoft. I also took my credit card away from Steam. I know they haven't had any major breaches but I know they're probably under constant attack, and also it really cuts down on the impulsive purchases. Those are a little more annoying because not everyplace has the cards, and for some stupid reason it costs more on Amazon than the actual cards. Ironically I've gotten the majority of my Steam Wallet cards from selling stuff at GameStop. It's a little weird to go into a store that specializes in selling used physical games, selling them games, and then using the proceeds to buy completely digital games from a different store. But for whatever reason they're all for that and even have little Steam displays now at all the stores.
