Chip + pin debit cards are reasonably safe. Credit cards are much less safe, essentially every time you enter your details there is one more party in on the secret.
I try to use my CC online as little as possible and in the real world only when I have the card in view at all times and the pin verification terminal is under my control while I enter the pin, and crucially, contains the card (so I won't use it if the terminal is in one spot and the card in another).
Not only traffic jams. Everything will be open until 6, and if you get off at 2 you no longer need to take time off to visit dentist/tax office/bank/etc.
Tech: Python (I am not a programmer by trade today)
Generally just hooked on self development books, I blame Tim Ferriss.