: Some utility providers charge "convenience fees" of a few dollars per transaction. Over time, these fees make basic services more expensive than paying by check or direct bank transfer. 2. Large Debts with Lower-Interest Alternatives

Many essential monthly bills carry convenience fees when paid via credit card that often outweigh any potential rewards points.

Moving existing low-interest debt to a high-interest credit card is often a poor financial move.

Five Purchases to Avoid Putting on A Credit Card - Chase Bank