Linking CC to bank account
Most banks will set up your checking/savings account to link to your CC to prevent you from overdrafting, under the guise that it will save you from overdraft fees.
I always explicitly tell my bank not to do that. I would go even a step further and have separate banks for checking and CC. Then having a lower balance checking account for online transactions and paying bills. Then a checking account for income to go in to. Have a internal funds transfer going from one to the other to cover the bills that need to be paid. A little bit of trouble for peace of mind.
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