Credit cards are much more secure and what I would recommend.
Last week there was one day all credit card machines were down all morning. No magic bands, no gift cards, no redemption cards, no credit cards....cash only.
I always make sure I have at least two credit cards (never EVER debit cards) and some cash.
Credit cards are the most secure method of payment and offer the most protection plus you keep your money rather than just giving it to disney on the front end in the form of a GC. I have yet to see a GC promotion or discount close to worth what is given up by not using credit cards (points, protection from theft, loss, etc)