I asked my bank to automatically pay off my credit card in full at the end of each month. (It might help that my credit card is affiliated with my bank, I'm not

I asked my bank to automatically pay off my credit card in full at the end of each month. (It might help that my credit card is affiliated with my bank, I'm not sure.) I've never come close to spending near my limit, so I don't know about an overdraft fee. I assumed it would decline further payments. My credit card gives me reward points for money spent on it. Having a credit card that I keep paid helps my credit score. I make some tiny amount of interest on the money in my account each month. I might as well collect that before parting with the money. And it's not like credit card debt accrues daily.