I cut up my debit card years ago. Everything goes on one credit card. Good advice.
Yes! Credit freeze, and temporary thaw, is so easy to do now, no reason to not do that by default. My debit card is in a drawer. I would question one credit card, though, your credit utilization can be higher, not good for credit score? It’s pretty easy to track usage and possible fraud on 2-3 cards.This is why I always have my credit reports frozen with all three companies and I put everything on my Amex gold card. Never use a debit card for anything, unless you absolutely have to. If there is ever an issue with fraud, and luckily I've only every dealt with petty fraud on my account once (knock on wood), Amex takes care of it instantly without any hassle.