I use a Wise account and can generate myself up to 4 (?) virtual debit cards. I can activate, deactivate them immeditately as i like and also delete them and create a new ones. They are debit cards though, not credit cards. I use them mostly outside EUR-countries for online payments for 2 reasons:
data of my regular credit card stolen a few times
exchange rate much better
When I pay with the physical card in a shop, i activate the card (1 button + fingerprint authentication on phone app) and as soon as the transaction shows up in the wise app I deactivate it again.
I fill up the account via bank transfer from my bank account which is free and takes not more than a few minutes time until it shows up in the wise account (in EU). I only fill up to a limited amount for safety reasons.
My regular credit card I mostly use in EUR with known big companies like Agoda, Amazon, some airlines (but not the Thai ones, bad experience). Since I like to have 70% of my holiday accomodation prepaid I don't even take it with me on holiday anymore. I only take the physical wise debit card, my bank debit card for atm transactions and a lot of cash.
Unpleasant scenarios would be:
stolen cash => still can get cash from atm
stolen all cards => still have cash and virtual cards
stolen phone => still have cash and bank atm card; for wise card need to login in browser; since my phone is 2nd factor for login it could be some trouble
stolen everything (phone, cards, cash) => puh; ask friend to send money and hope this never happens