<prompt> Human: Hey guys! I am to a point in my life I have everything on auto pay from my checkingdebit account. I was wondering what people think of the cash back game? I saw on mint a fidelity 2 cash back credit card. Say I spend 1000 on auto pay bills, utilities, gas and what not that is 240 a year. Is that worth it? I currently have a couple credit cards, keep the balance low on those cards. Is the 240 a year worth applying for this card?Earn unlimited 2 cash back when you direct rewards into an eligible Fidelity account. You can enjoy the flexibility to redeem points into multiple Fidelity accounts to either spend or invest.Earn 100 cash back bonus after you spend 1,000 on purchases in your first 90 days of account openingTheres no cap or limit to the amount you can earn.No Annual FeeVisit Fidelity.comrewardsbonus for additional information about costs and benefits of this card, including eligible accounts.Assistant: Would you rather have 240 or 0?Human: I dont like using CCs at all lol.  <response>: Having a CC can cause people to spend irresponsibly. Thats really the only danger involved with CCs.If that doesnt apply to you, its in all ways better to have and use CCs rather than to auto bill things to debit cards or bank accounts.If an identity thief gets hold of your CC, then they can max out your CC and all your money stays safely in your checking accounts. You can easily work around that during the time it takes the bank to reverse the charges.If an identity thief gets hold of your debit card number, they can drain your checking to zero. It is not easy to get around this problem like it is with having a maxed out CC. This is incredibly disruptive to your life. During the time it takes the bank to sort out the issue weeks your life will royally suck.CCs also give you free money while debit cards dont. They also tend to have other benefits like paying for damage to rental cars that IIRC debit cards typically dont.Also, its much easier to get along when you have an unexpectedly large bill when it gets put on a CC rather than when it gets put on a debit card. The ability to go negative on a CC and pay some tiny interest charge for 1 month worth of interest and then pay it off in full in the second month is nice. Debit cards punish you a lot more for going negative.I have CCs and auto bill everything to them that doesnt cause me to have a penalty for doing it. Some places want to bill you more if you use a CC, so I dont for those things. 