<prompt> Human: I track all my spending on an android app. Every purchase I make I deduct from my checking account, track my budgets, etc. Ive tried using credit cards in the past for rewards, but I always ended up not paying off the entire balance at the due date, thus I just started adding more credit card debt.Now I use my citi double cash credit card for all my transactions, and using the android app I subtract each transaction from the balance of my CHECKING account. So each transaction I make is taken out of my checking account, but I actually make each purchase with my credit card. I treat my credit card as my checking account.I have autopay set up to pay off the entire last statement balance each month on my citi credit card that way it is always paid off and I never pay interest. Everything is automatic, so Im sitting back collecting my cash back rewards as if I were never using a credit card in the first place.  <response>: Treating your credit card as a debit card is basically the definition of responsible credit card usage. 