We have been using credit cards for years and years. Recent years receiving cash back for using them. Just a couple of times there were charges not ours for one reason or another but never lost a dime as my card made it good. I
can’t figure why people get all “stressed out” over such things. Just to note - we use our cards for everything possible and pay them off each month. When we take our rewards for using their money for a month it’s like going to Dairy Queen for a free blizzard only better. Oh, as far as Walmart never had an issue.