I think I chose bad wording, rather I’m looking at how credit should impact the logistics of how the budget is paid/distributed, what things it makes sense to move from one checking account onto a credit card to be paid at the end of the month rather than immediately.

By “wanting to build credit” I just mean having consistent payments and balances month to month rather than say saving the card in case of emergencies or large purchases that would leave dry spells or holes in my credit history.

I do think your explanation though lines up with more of what I meant to say, if I should stop using the checking account for immediate purchases but rather defer them to the credit card and treat the checking account as the “credit card balance budget” that I use to pay off the balance every month