I have bonus points on some cards and cash back on other. All include stuff like travel insurance if I pay > 50% of the trip with the card. I can not go over th

I have bonus points on some cards and cash back on other. All include stuff like travel insurance if I pay > 50% of the trip with the card. I can not go over the limit based on how much money I have in the bank since the cards are not connected to my bank account. But my limit is not a problem since some increase it without me asking and the only time I have needed to increase it on a card I could do that online in two minutes. I select how much of the balance I want to pay back each month, if I pay all there is no interest if I pay parts the interest is high and the CC company makes money