Sure, that's one way to look at it. But I set my credit card to pay off the entire balance every month so I don't worry about any of those concerns. But, I also

Sure, that's one way to look at it. But I set my credit card to pay off the entire balance every month so I don't worry about any of those concerns. But, I also get the benefits that most cards offer (automatic extended warranties, purchase protection, price protection, etc).