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It's all about the rewards for me as well. I run everything through my cards now including my rent (which I'm still a bit shocked that I can pay online with my complex now fee free). I use my credit cards like debit cards and only use my actual debit card every blue moon to withdraw cash from the ATM.
@Anonymous wrote:
When people talk about running $xxxx per month through this card or that card, why is that done? If it gets paid off before or once it posts to the card, why not use a debit card? Does the lender keep track and use that for CLI? Or what? Id like a better understanding.
As others have said, mainly for the rewards, but ccs typically have extra protections, and some additional benefits like extended warrenty (and in some cases price protection). Also, using a cc allows you to carry a balance if you find you need to, whereas with a debit card the cash is gone.
And yes, of course the issuer keeps track of how much you spend on the card, that allows them to segment you as a customer for all sorts of purposes including retention offers.