How so? Mine has any purchase almost immediately available online for viewing. I think what he is saying is A) You are not going to overdraft your checking account if use a credit card. If you pay it off periodically (daily, weekly, monthly, etc), you can always check your account balance online before making the payment. and B) Many credit cards have an online feature that will break down your expenses for you if you are interested in keeping track of that kind of stuff. So does my checking account. I would think that is more useful to track all in one place too instead of more than one card.