“Many use them for convenience and auto-pay the entire balance every billing cycle.”
that’s me ... plus United Airline miles, plus down-loadable annual excel statement analyzable by category, vendor, etc., plus GREAT protection against a bad transaction: for bad transactions, the credit card company is your friend ... plus, unlike a bank card, a CC is NOT a direct pipeline into your bank account, and unlike bank cards, credit cards have tremendous financial protection built-in by Federal legislation, protection NOT available with bank cards ...
quite frankly, as long as one isn’t using a credit card as a loan vehicle, there’s no better way to way to pay non-face-to-face payments ...
ICBW, but I believe they are called “maintenance accts” and I’m not sure the banks like them all that much.