This. It's really not that hard to do correctly. The fraud protections are much better, at least in my experience in the US, than using debit cards, you get t

This. It's really not that hard to do correctly. The fraud protections are much better, at least in my experience in the US, than using debit cards, you get the reward points, and you can "float" expenses over the course of the month, as long as you pay it off every statement - which is nice if you only get one paycheck a month.