I wouldn't (and I don't) have autopay on the credit card. Anyway, if suddenly my current account is emptied for some weird reason, I have backup funds that can

I wouldn't (and I don't) have autopay on the credit card. Anyway, if suddenly my current account is emptied for some weird reason, I have backup funds that can be transferred to the current account in five minutes on my phone. Also, I started from the assumption of a non-technical person with "simple finances", so no credit card.