<prompt> Human: Theoretically, if I set up automatic payments on my credit card to where it always pays off every month, couldnt I use that as a replacement of a debit card? Especially if I keep a few hundred extra dollars in my checking account, Im just not sure how this would be disadvantageous to me at all. I would love to hear opinions on this. Assistant: Theoretically, if I set up automatic payments on my credit card to where it always pays off every month, couldnt I use that as a replacement of a debit card?Practically, many people including myself have been doing it.Human: I didnt think it was a new idea but I couldnt find much on this specific issue. Thanks  <response>: Two potential downsides 1 you can start slacking off on examining the monthly statements. But you probably have other ways of checking the transactions anyway e.g. smartphone apps.2 auto pay can fail. Be prepared to have a backup plan. e.g. check your bank app on the day its supposed to be debited 