Help !!!

[MITCHELL]

Originally Posted by jruiz

Most banks will set up your checking/savings account to link to your CC to prevent you from overdrafting, under the guise that it will save you from overdraft fees.

I always explicitly tell my bank not to do that. I would go even a step further and have separate banks for checking and CC. Then having a lower balance checking account for online transactions and paying bills. Then a checking account for income to go in to. Have a internal funds transfer going from one to the other to cover the bills that need to be paid. A little bit of trouble for peace of mind.

I only need a check book for paying my rent.
And buy everything with credit card and pay the balance off each month or pay cash. Most of my bills get paid automatically and I get tex messages telling me I got billed sure beats having to mail out all the bills with postage stamps.