If you're worried about being late with your payment follow my advice.
Dump all your cards apart from one, get one from the bank that you have your current account with. Ring them up and ask to set up a standing order to pay off the full balance of your credit card on the due date each month. They won't advertise that they do this.
Then....buy everything on your card and effectively pay for it 3-7 weeks later. Get a mortgage that's linked to your current account.
You're them making your money work for you, rather than for your bank.
I'm not a nerd, honest!