That's kinda why I'm getting some additional perspective. All my cards are set up to PIF monthly as it is (where applicable). Seems to be a huge PITA to put a few dollars on a ton of cards ebery month, just to get some activity reporting. I went 5 years using a Chase debit card for EVERYTHING, and I was happy as a clam. If I DO use a card insted off the debit, I'd prefer to just make a payment in the parking lot as I leave LOL.
IF PIF every month on everything that I actually use for things I actually need serves the purpose, then I'm all for it. TBH, I can't be bothered with all the rewards monitoring either, or the whole "I have 5 times my annual income in CL's" idea.
