That's not really a counterpoint. You had a rare situation and would have taken money from anywhere I guess

As long as it's not a pay day loan everything is fine. If you need liquidity then credit cards are a perfectly sane option. What I never understood though is why you would use a credit card when you don't need to borrow money, which is how most people use them.

I get like a $1000 a year in cash back using credit cards and they all charge no annual fees and I pay everything off in full automatically so I never pay any interest. Add in the consumer protection and the fact that it builds your credit giving you better mortgage/auto loan interest rates, why on earth wouldn't I use credit cards?

> why you would use a credit card when you don't need to borrow money

To build a credit score. When everybody lives in debt, it is expected for you to do the same.

my bank just tops it up after each month. no interest gets charged. i mostly use it abroad and for online purchases.