I use a credit card with a few thousand dollars limit for online purchases. Lower than my household credit limit on my "regular" card. When the bank offers to raise the limit I decline. I can tell what is what on each bill. They're paid off monthly, mostly.

If you have the discipline to pay off every month and you charge your monthly online bills to a credit card you can get a lot of points. But you have to pay it off every month or you're sunk for the interest and the points are rendered meaningless, you're buying them at top dollar with the interest.

My sister were out for lunch one day a few years ago and she made a point about those restaurant receipts I adopted immediately. You'll note that there are only four digits after asterisks on your copy but all 16 on theirs. They've already run the charge through so they don't need your number on their copy of the receipt. She carefully and completely scribbles over the number on the receipt that they keep when paying a bill in a restaurant. No one has yet protested or refused to keep that copy.

SRS