[banana_giraffe]

I have absolutely been called by Bank of America, both by an automated "did you really do this?" sort of fraud detection, and by a human calling to tell me my card number was known to be stolen and make arrangements.

Heck, I'm pretty sure I've gotten sales calls from them as well, though I never stay on the line long enough with those to be sure.

[ChrisMarshallNY]

Same here. I also have a BoA account for most of my day-to-day stuff.

I use credit cards (in particular, an Apple Card) for almost every transaction. In fact, I seldom carry cash, which has been a problem, from time to time.

I won’t use Venmo, or PayPal with direct bank account connection. It has earned me scorn, but you really only need to have a problem once, to learn religion. I don’t use credit cards for Venmo or PayPal for cash transactions, because cash advance fees.

I always pay my account in full, every month. It also means I get Apple Cash, for a slush fund.

I do use direct bank account connection for a few things like utility bills, but that is a fairly primitive setup process, where there is no doubt about the other end. Even so, many outfits now allow bill pay, via credit card.