It's just weird to have a card that instead of giving access to your own funds might also put you in debt. As for those things you've mentioned - they are US sp

It's just weird to have a card that instead of giving access to your own funds might also put you in debt. As for those things you've mentioned - they are US specific. I'm pretty sure that all of the extra services are tied to a specific card plan and will not get better with switching to credit.