Virtually everything I spend goes on my Discover card. I’ve been cashless for years. Once a month, Discover accesses my checking account to pay the monthly statement in full.
I get the bonus dollars, never worry about when to pay the bill, and keep my checking balance high enough to not worry about overdrafts.
Paranoia solved.
I prefer to check the bill before paying. Scammers like to try charging small items to random cards, hoping the cardholder won’t notice.