At least where I live, I have to specifically request enabling of overdraft (of course they would love me to do so), but I ain't doing that. So with a debit car

At least where I live, I have to specifically request enabling of overdraft (of course they would love me to do so), but I ain't doing that. So with a debit card, I'm safe. Banks lure you with credit cards and overdraft on debit cards (which in turn turns it into credit). If you can resist that you're in a much more robust position than otherwise.