you should never, ever, ever use a direct credit card or paypal for steam, PSN, xbox, nintendo, etc. two reasons
1 - if your account is hacked (you are an old fuck, chances are getting higher every year) someone can charge insane amounts and fuck you over
2 - if you EVER do a chargeback on any of these digital platforms your account can get perma-banned/shutdown. happens all the time
i only load in wallet money (which you can buy at discounts everywhere) and it also prevents me from overbuying, i have like $1200 on my steam account and i've spent maybe $10 in the past 3 years on games there. psn/nintendo also limit your wallet size as another safety check. family knows not to buy me useless shit i don't want for birthdays, just give me steam/PSN credit.
i have that much loaded on my steam because for years you could get monthly free $10 from gamestop for being pro, i have it saved for the next steam deck.