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For a few years now, my method of paying for online purchases has been to buy a prepaid VISA/MC gift card. I think I'm going to stick with that. Zero chance that $VENDOR or $PROCESSOR will come back and hit me for unexpected charges (above whatever is left on the card) or that my payment info will be distributed or lost to others.
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That does mean that I can close my unused #DigitalOcean account, as this is a violation of their ToS. The DO account was unused for other reasons already. (Their resource limiter kept killing both MySQL and PostgreSQL database processes every few minutes, no matter how large the droplet, so what was the point of having the droplet?)