Chuckanut
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
+1
However, that's only using a cash-back credit card. I avoid allowing any business to direct debit my checking account after a bad experience many years ago.
The above is very wise.
Most of my auto-pays are now done with a CC. The few payments that come from my checking account are me telling Bill Pay to send NNN dollars each month. I never let any organization reach into my account and tell the bank "Send $NNN of Chuck's money to us. He won't mind".