You, like me, are able to spend with your brain rather than your emotions. I also have one checking acct. set up strictly to pay my CC bills on time, automatically every month to make sure I never miss a payment...no usurious interest and 1.5% or 5% discount on EVERYTHING I purchase.
Money is a tool.
If you know how to use the tool, you come out ahead.
There are exceptions to this rule.
I recently dumped amex.
I sent my electronic transfer over early every month.
I got a late payment notice and charge.
When I called, they said it took them 5 days to process, so even though I paid early, it was posted late.
I asked them how I was responsible for their internal problems.
The guy just said that I owed it.
Dropped them right then and there.