I also have virtual debit card only and making all my online payments with it. My bank had a phase cca 5 years ago when they were offering credit cards to peopl

I also have virtual debit card only and making all my online payments with it. My bank had a phase cca 5 years ago when they were offering credit cards to people, but they stopped completely as they weren't able to tell people why they should be using credit cards instead of debit cards - from end user perspective in EU, there is no difference between those two.