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...bought online for less money. I use a CC for these purchases because I feel it is safer than a debit card.

You are right, cc's are a lot safer than debit cards. "Online" covers a lot of ground, and the examples you gave (car parts for DIY required* maintenance) sound fine to me, but we'll discuss again after seeing your whole list of debts, expenses, income, etc.

* My husband is a car enthusiast, and buys parts for enhancement that aren't strictly required, but we can drill down into all that later if "car parts" turns out to be a suspiciously large part of your spending.
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