<prompt> Human: Hi PF,Come January Im thinking about switching from paying for the majority of my expenses with my debit card to credit cards. I got my first card in January of this year and now have three cards. I have always paid my statement balance and do not spend more money than I have in the bank. The main reason I am considering this switch is for the cashback and purchase protections.The three cards I have are Im not looking for suggestions on other cards, just thought this information was relevant:Chase Freedom - 5 on rotating categories, 1 on everything elseAlly Cashback - 2.2 on groceries and gas, 1.1 on everything elseUber Visa - 4 restaurants, 3 travel, 2 online, 1 everything else The only regular expense I have that would incur fees if I paid by cc are my student loan and power bill so Ill keep those on my debit. I have all my due dates denoted on my calendar and will soon set up autopay so I should be able to stay on top of everything.Id love to hear any experiences of people who do this. Are there any challenges I should be considering before transferring all my spending? Thanks!  <response>: Couple things to keep in mind with this strategy:1. You will go from paying current expenses with current cash in hand, to paying for current expenses with next months cash in hand unless youre immediately paying off each cc purchase as you go. So youre going to be a month behind, and should keep at least 1 months expenses in savings just in case you lose your job or something to ensure you can still pay off the balance that following month without incurring interest charges. You should have savings either way though, so hopefully this wont be an issue. 2. Depending on your frame of mind, some people find spending more on credit cards easier than actual cash, and will inadvertently spend more than usual cause it doesnt feel like real money. Watch out for that.Otherwise, go forth and collect rewards and cash back. 