Screw that. For the month of May, I made $272.72 in cash back rewards/discounts using my credit cards. That was even a light month. I pay-in-full every month, I don't pay interest. Why would I give that up on top of losing the other benefits/protections of using a credit card, plus open up my debit card/checking account to the potential risk of fraud? I also don't feel like carrying $15,000 in cash around to cover my monthly credit card spending.