Not to mention the security that comes from being able to not pay if you get scammed for whatever reason. I paid for a course at a community college with a credit card, but then my schedule changed so I tried to cancel the class before it even started. The college gave me a whole runaround, and whether it was willful or just simple incompetence, I wasn’t able to get a refund. So I called my credit card company and explained the situation to them, and they resolved the whole thing for me. Sometimes even mentioning that you’ll refer such a problem to the fraud department at your credit card company is enough to get someone to back down and give you a refund.

Credit cards have issues, especially if you have problems with using them responsibly, but that’s one particular way in which they can save you a lot of headache.