My charge cards have no pre-set limit, so I don't have to worry about limitations. That means I can put a $60,000 downpayment on my card, get the points for it, and pay it off immediately. I use them for daily spending and also for paying my taxes and other big ticket expenses. You can get credit cards that have "no pre-set limit" also, but they really have a cap on the high spending--my Visa Signature SAYS it has no limit but there is still an amount I am not allowed to go above without overlimit fees.
As far as benefits, my Diners Club (charge) offers similar and slightly better benefits as my Amex (charge) and my Visa Signature elite (credit). What stands out though is the customer service. The DC has virtually no hold time for concierge service and other telephone services. There is a smaller user base for charge cards, and Amex and DC both have separate telephone numbers and staff for taking care of charge card customers, so it seems to me to be faster and more personalized.
As far as I'm concerned, charge cards and credit cards have completely different purposes. Charge cards give me flexibility of 30-60 days to pay off the balance with money I ALREADY have, and credit cards are for extending credit for money I DON'T have.
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