<prompt> Human: Is it that I have to use the debit card 20 times per statement? I feel like that doesnt seem too unreasonable.  <response>: As someone who never uses their debit card, that would be a large hurdle. Using your debit card that extensively greatly increases the chance that your card might be compromised, which can result in a hold on your checking account until its sorted and stolen funds returned. Thats a major inconvenience you dont face with credit cards. 