Boomer mindset but I want technology as far away as possible from my bank, local credit union just needs to support Apple Pay and that's all I care about.
Would you mind saying a little more about what it means for your local credit union to support Apple Pay?
I like to have a single debit card available to use in a secure manner, and some credit unions don’t support Apple Pay. I’m never going to use a debit card without some sort of security layer since it’s directly tied to my bank account.
I recommend a credit card, in that case, because the level of surveillance is the same as a credit card but at least it’s more secure and you get back a portion of the markup in the form of rewards. (Note - perhaps you are not in the US, in which case, disregard this, since the EU is far more civilized with debit cards and fees)
As far as I know Apple Pay is equally secure whether debit or credit. It contacts the issuer when you add it, then communicates in unique tokens for each purchase so your card number is never at risk.
I use plenty of credit cards, but it is still useful to have a debit card in certain scenarios.