>Which ones specifically? If they are truly for free then I don't need to pay for them by virtue of having a credit card. Chargebacks, protection against a sto

>Which ones specifically? If they are truly for free then I don't need to pay for them by virtue of having a credit card. 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.