[pathseeker]

>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.

[orf]

> Chargebacks, protection against a stolen card, no real money being tied up during a dispute, etc.

I have all of this already.

And they price the risk of a card being fraudulent, which isn't specific to credit cards.