Maybe you aren't required to, but there can tend to be downsides to the other methods in practice: credit card: - often extra fees or minimums for nontrivial e

Maybe you aren't required to, but there can tend to be downsides to the other methods in practice: credit card: - often extra fees or minimums for nontrivial expenses - privacy of course direct debit: - payee gains ability to debit any amount, and while resolution plays out, you are stuck with the consequences - limited ability to cease payments check: - fixed payment amount; violating this would be clear fraud not attributable to "mistakes" that can happen with DD