What?! "Don't ever use a credit card?"
How would one function in these times without using one? Everything and practically every transaction is done electronically.
It comes down to weighing security for convenience. Imagine waiting for a part for days and days until the check clears. Oh yes, then someone will then have access to your Bank name, routing number, account number and check number for the sequence.
Or you could stuff real money into an envelope and hope no one detects and opens it before it gets to the seller.
Like it or not, it's the way the world turns unless you live off the land and use barter, at which point the whole issue about electronic devices becomes moot.