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>>>Do you keep a sufficient balance in your checking account for auto pay of the full balance? If not then auto pay of the minimum pay avoids late payments and you can manually request payment of the balance. <<<

Ff you do is a credit card even required. Just use the debit card linked to your checking account, there are several flavors of these that now also offer some type of cash back etc. This avoid any issues with missed payment, yearly fees, etc.

Personally, I use a credit card but have been considering swapping it out for a debit card for some time.
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