The card attached to my main account (where my employer sends my salary) is private. My main credit card is from the same bank and I pay it directly from there.

The card attached to my main account (where my employer sends my salary) is private. My main credit card is from the same bank and I pay it directly from there. Credit card gets used at places that I trust. Dispute charges can be a time consuming process, and you have to pay some token amount to avoid punitive rates anyways. I have another account in a different bank, were I send small electronic deposits periodically. I retire about 1/2 of that in cash at ATM, to pay either at places that do not accept cards or I do not trust (i.e. gas stations). I have to keep a small balance in the account, and it is not always practical to use cash, so I use the corresponding debit card at places I neither trust or distrust.