Also, I can use my debit card as a "credit card" transaction. Even though it still comes out of my account. the only difference is I don't use my pin number.
My utility bills state that I can pay with a credit card, but would then be charged with a 5% convenience fee. I know a family - they put everything on a Citibank credit card, then pay it off, just so they can get the miles.
Karen - proud owner of 5 cats and 1 dog.