"Your Credit Card Payment Just Doubled" - well, NO>
Thankfully, I saw the light as I prepared for retirement a few years ago; paid off all of the credit cards, cancelled the accounts and went with a single debit card accessing my checking account.
Now, If I don't have the money in the account, I wait until I do to buy whatever it was. You would be surprised just how many stores will put something away for you if you ask them to hold it until the first of the month when you retirement check comes in.
"...and went with a single debit card accessing my checking account. "
Nope, use the credit card and pay it off, some offer free extended warrenties, some cash back and/or airline miles. It's also much easier to refute a CC transaction ( YOU still have the money ) rather then a debit card where THEY have your money.
The costs of all this is built into the price already, why toss it away by paying up front ?