> D) Horseshit. I had my card stolen by the Target breach, there were charges on it all over Europe, and within a week I had every penny back.
Let's say that week happens to be the one when your rent/mortgage is due, your car payment is due, your student loan payment is due, etc. It doesn't matter that the money goes back into your checking account eventually, if it's not there when it needs to be, you get hit with overdrafts, bounces, late fees, marks against your credit history. Those aren't things you can just "opt out" of.
Using a credit card is a useful layer of indirection and buffer.
Maybe I'm not expressing myself directly enough: when you overdraw your checking account, it's the latest mistake of a long series of mistakes. If having a paycheck delayed for a week causes you to have a negative net worth, you should reduce your expenses or get a better job.
Let's say that week happens to be the one when your rent/mortgage is due, your car payment is due, your student loan payment is due, etc. It doesn't matter that the money goes back into your checking account eventually, if it's not there when it needs to be, you get hit with overdrafts, bounces, late fees, marks against your credit history. Those aren't things you can just "opt out" of.
Using a credit card is a useful layer of indirection and buffer.