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The only spending you do is with CC? No debit card, no checks, no cash?

Yeah I have 2 main CCs (besides the one with the 0% debt). My primary CC is for any spending that accepts CC - plus it is a great rewards card (Barclay arrival +). The other CC is for Costco because they take only AE and I had a great promotional deal so I still have it. Also have a corporate where I would charge my exercise charges so I can get subsidized.

Main reason I don't use debit is I don't get points for spending... Also I ran out of checks and haven't seen a reason to pay the money to order new box. Also I recently moved to the area and my bank is a more local chain so I get charged whenever I take out cash (I almost never do).

I downloaded an app that tracks all the spending I make and I will use that in conjunction with my CC statement for next 2 weeks for review. At least in the upcoming month I don't foresee any big spending coming up (trips etc.)
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