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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I make all my payments monthly.

BUT, when I had to dig out of credit card debt - I paud it every pay cycel ie twice a month.  Any utility, subscription, credit card.  I did  not wait for the bill to come in.  Because the credit card bill is usually 5 pay cycles too late. So until I had settled all my debt and had lots of cash in the bank, I did not dare to not pay off each pay cycle.

Also, having credit card on auto-pay is stupid.

Also, debit card that also functions as an ATM card is sheer stupidity.  Ask for your ATM card to be seperate from your credit card or Debit card.

[/quote]

OP - I don’t understand this. I pay all my bills and subscriptions on autopay via my credit card. I have my credit card bill paid via my ch checking account on autopay once a month. This has never been an issue. [/quote]

I'd also like to hear more about this so-called "ATM card that is separate from your debit card" product.  I have never heard of such a thing.  You can get an ATM-only card from some banks tied to a savings account.  But if you want an ATM card for a checking account, it's also a debit card.  That's just what the product is in 2025.[/quote]

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