<prompt> Human: Hi folks,I feel like this might be a common thing, but I cant find anything about this on the wiki or into guides.Im considering switching my day-to-day spending to a credit card, primarily to accumulate all these bonus points I keep hearing about, especially as I would like to do a bit more travelling. These cards generally have a higher yearly rate but supposedly that will be balanced by saving elsewhere.Currently I have a low-fee, no points card which is for emergencies only so if I went with this I would change cards.The overall idea would be to spend from the credit card e.g. groceries, bills and pay it all off with real money by the deadline each month to avoid paying interest but get bonus points. But I just wanted to run it by the knowledgeable people here to see if there was anything I need to be aware of other than not spending outside my means of course if I went with this.ADDITION: Since Im getting good responses thanks!, what would be the best way to switch credit cards, because when I get the new card, I will no longer need the old one? In the past 12 months I have opened a credit card, then cancelled it and then been rejected for another application I did this not being aware it would affect my credit score at the time, but these would be the only black marks on my history so to speak. The last credit card application denial was in August. So basically Id like to do this in a way that I will actually get accepted and not affect my credit score further.  <response>: This is what I do for the bonus points and I also feel safer using my credit card incase Im overcharged or need to dispute a transaction. It just takes discipline to be able to pay it off at the end of the month. 