<prompt> Human: I work full time. I have a great card that gets great rewards Capital One Venture. I ALWAYS pay it off in full, usually weeks before the payment due date. I use it for EVERYTHING, and I mean EVERYTHING. I guess my philosophy is if I have the money for it, why not earn points rather than use my debit card or cash?? Ive used this card exclusively since January besides for every 2-3 months I use my Wells Fargo Visa- which is what I used exclusively BEFORE I found this awesome credit card.My question is: is this secretly hurting me? I guess Ive tried to do research here and there but get caught up in all the technical talk and really just dont understand. Can someone explain this to me?  <response>: nope. I do the exact same thing with my Amex. Generated enough points to buy a plane ticket abroad. Keep doing what you are doing and enjoy your rewards.also, behaving in that way adds another layer of protection for your bank account. If a transaction goes bad, that money isnt coming out of your account until the problem is resolved. 