How does this even happen? I'm just curious here. Don't you check your bills? I find it hard to imagine I would miss a recurring payment on my credit card receipt.
Personally, I use cash for day-to-day transactions, credit if I want the third-party record or it is a larger transaction. I never use debit because the protections are stacked against the user, and CC cash back schemes refund a portion of the credit card cartel tax. So not using it except at the bank ATM means I don't have to worry about the number being abused, unless my bank's ATMs are compromised.
not much cognitive load or anything (i disabled sound for these and just check em once a day) and very hard to miss any transactions you didn’t really authorize