I basically use my credit card like a debit card. If I have money in the bank, then it gets spent via credit card while I keep earning interest until payment due date. If there is no money in the bank, it means I can’t afford to spend now and I don’t use the credit card. My CC has been on autopay since Day 1, so there is no question of missing payments.
Living on credit or borrowed money has never been my thing. If our ancestors could buy land and even build houses without loans, then why can’t we manage simple expenses without needing to go over our spending limits? It’s just mind over matter, nothing else.