I think you can ask your bank to disable credit transactions for your bank card, thereby making it only usable with the PIN as a debit card. If that doesn't work you can just ask them to set the daily limit for credit transactions as low as possible.
And in addition, set the acct to not allow over drafts.
I've had my cards blocked a few times over the years due to fraud use that had nothing to do with skimmers or shimmers. Best idea is to have more than one acct (I have 3) with a separate card for each one so you can still function (and transfer from one to another online) if one card is compromised.