I use my credit card when…
I’m required to or receive a discount for setting up reoccurring payments on a subscription service.
I’m shopping online because it offers me the protection in the event of a dispute with the merchant or if my data ends up in the wrong hands.
I’m buying an expensive item like electronics. My card offers warranties on such goods.
I want to spend money from my secondary bank account. I don’t have checks or a debit card for this account. I simply use my credit card and pay the CC bill online from the secondary account.