I can't wrap my head around that as well. Given OP's expertise and experience with technology, how was this option better than using a credit card. Obviously I

I can't wrap my head around that as well. Given OP's expertise and experience with technology, how was this option better than using a credit card. Obviously I'm not claiming it was OP's mistake, that wouldn't make me any better than the guy who was telling people "you're holding it wrong™".