In the US most things are best paid with a credit card except for the biggest costs because it’s considered a liability to spread bank account info around too much (banks generally aren’t too helpful when a breach occurs, whereas credit card companies will happily wipe away fraudulent charges), plus you’re missing out on points.
The only thing I had to change over when switching checking and savings to a different bank was which checking account my mortgage payments were getting pulled from.
American here. Almost all of my monthly payments for utilities, mortgage, daycare, car payment, etc...those are all direct funds transfers. Using a credit card would be too expensive for those. Some payments only occur via credit card (internet service, and until recently, T-mobile cell phone service, though they now accept direct fund transfer for that).
If I changed bank accounts, I'd have to untangle a bunch of monthly bills to a new account.
Fair. I don't have a car payment or children at this point which are the two big other costs where credit cards definitely don't make sense.
A bit surprised on utilities though. Nowhere I've lived on the west coast has charged a service fee for paying electric, gas, water, phone, etc with a credit card.
Even PSE doesn't fee it. I guess why I bothered with checking account is that my credit cards expire far more often than I change bank accounts, I had a nasty fee once from Comcast because I didn't update my auto pay credit card in time.
The only thing I had to change over when switching checking and savings to a different bank was which checking account my mortgage payments were getting pulled from.