I do not shop online with an unlimited credit card. I put money into the card account in order to make that purchase. I also live about 1/2 kilometer (just under a half mile) to a local bank branch, in which I withdraw my weekly need of cash.
There is a negative aspect to my way of doing things. I have no credit history to speak of, except for my bank which knows me. I was able to get a very low cost mortgage, when I needed it, but it took some work to get the credit rating companies to do their work and look at my non-indebtedness. Watch out for the errors that these parasite companies make, and boy, do they make many. They can ruin your reputation and your credit worthiness with a simple error such as mistaking someone else for you.