The advantage of credit cards is strong regulation that makes that the banks problem, and the number can change if there’s an issue.

I’m so much less concerned about my CC number being out in the wild than any of the zillion other pieces of PII out there that are unchangeable and require jumping through a million hurdles to fix.

Only ever had my CC info stolen once, and it took 2 clicks on the banks website to dispute and get a new card. Had my identity stolen and it took 10 certified letters, dozens of phone calls, detailed documentation of a year of personal history, and countless emails to lawyers, the credit bureaus, the debt holders, and the collections agencies to resolve it.

Edit: forgot, ID theft also requires a fucking police report