I'm not particularly fussed (and/or smart) with my payment methods.
I have an Amex charge card that is my primary payment method for everything everywhere, I would switch to Monzo or my HSBC credit card if Amex is not accepted, but I tend not to use the cards (credit/debit) connected to my main account where possible, so mostly I stick to Monzo in those cases.
I just recently got a Wise card too (had a Wise account for ages), for some euro operations (cash machines mostly) when in Italy. Monzo and Wise euro exchange rates are not wildly dissimilar, but using the Wise card in euro at ATMs sometimes makes it easier.
I do have an overdraft facility on my Monzo card in case it goes to zero (like a rogue fuel pump - that never occurred to me). Free if you top it up before midnight. Negligible negative interests is you do it after a few days.
Anyway, while you went on this thread I was in France. I wanted to do a test at a Carrefour, but I found a Total Energies and I had only 25km range so...
Seems a Carrefour only issue. You can see the timing top left.
BTW, last year while in south of France I lost my wallet the last day, just before driving back to Rome.
4 cards + driving license and other random items.
Drove to Rome using my Amex and Monzo still on Apple Pay, blocked them at destination (both banks knew the cars were lost, we agreed to keep them on Apple Pay for emergency).
I think I wrote about this before, funnily HSBC "the global bank" was the only one unable to send me replacement cards while I was in Italy (I did stay another 2 or 3 weeks) while Amex and Monzo sent replacement cards at my parents' address in Rome (after verification) in a jiffy.
Got back home ok. Nothing happened.