My credit card is simply a tool to execute my budget. I make sure that every single transaction on my credit card is accounted for in my budget and I don’t go over-budget spending on my credit card. The reason I use a credit card instead of a debt card is for several reasons (1) to increase my credit score (2) to gain travel points on my travel credit card and (3) sometimes my paychecks aren’t fully deposited in my bank account yet and I need the items beforehand, but because I budget, I know what I can afford based on the paycheck I’m expecting to come in, so I don’t overspend.