I learned some good tips here today. I've never used PayPal, never will. Just don't trust it. We tend to put everything on one card because the reward points are so good. Have been compromised a few times over the years but our bank CC company is very on top of any suspicious activity. We also track every day on line. The other good thing they do is it's one account, but each card has its own different number. We split all the recurring monthly payment vendors 50-50, so if one of us is compromised and has to get a new card/number, at least we only have to update half the list. Still a hassle, but changing 10-15 vendors is better than 20-30.
I like the idea of using a separate card just for restaurants; will probably start using the back-up card for that.
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