Thanks for your reply. I have set my bank's auto-pay as a backup as you said. And yes I need to get more credit cards to increase my credit limit. In the meantime, I am looking for tools to ensure I keep my usage low (and yes, it does not hurt the credit score as much as missing a due date does).

I don't think there should be much of a difference when the score is 750+. But there should be a difference when we are comparing the difference between scores of 630 & 730.

You can find from this chart, how Credit Card Utilization is one of the 6 main factors in determining the credit score: https://www.asksebby.com/building-credit/850-credit-score

For further information about what I am referring to you can read the above article & watch this video: https://www.youtube.com/watch?v=kirdYUz--90

Yeah, I understand that. I am paying before the statement date every month by myself. But I would still like to have a backup option, to make sure I do not miss a payment before the statement date, to avoid my credit score from dropping.