But (3) is exactly why many people do use credit cards: exposing information of your actual cash accounts over and over in transactions increases the risk of fr

But (3) is exactly why many people do use credit cards: exposing information of your actual cash accounts over and over in transactions increases the risk of fraud. It's much safer to fight for the integrity of your credit account because it's someone else's (the bank's) money. They are far better equipped to handle the case, which would sap not only more of your own money, but a lot of time. Waiting for a replacement card is far less painful.