<prompt> Human: If I understand it correctly credit cards have no interest once you keep the balance at 0. Does it make sense to use a credit card for everything and just pay it off from the savings account. I believe this is more secure  <response>: Yes, absolutely viable. Use the credit card for convenience, points, and purchase protection - pay it off monthly in full. It is much more secure. If your debit card is abused by a criminal you have to fight the bank to get your money back and prove it wasnt you. If your credit card is abused then you report it and the retailer has to prove the charge was valid. 