> Chargebacks, protection against a stolen card, no real money being tied up during a dispute, etc.
I have all of this already.
And they price the risk of a card being fraudulent, which isn't specific to credit cards.
I have all of this already.
And they price the risk of a card being fraudulent, which isn't specific to credit cards.
Chargebacks, protection against a stolen card, no real money being tied up during a dispute, etc.
>If they are truly for free then I don't need to pay for them by virtue of having a credit card.
Every consumer is already paying for them because business price in the credit card fees into their retail prices. If you don't get a discount for using cash/debit, you are already paying for this protection.
In the US, by not using a card, you are still paying for the benefits without getting them.