Which of the following describes an advantage of having a credit card?

Having a credit card offers several advantages, one of which is protection against theft. When you use a credit card for purchases, the card issuer typically provides a level of fraud protection that can safeguard you if your card information is stolen. If unauthorized transactions occur, you're often not held liable for those charges, assuming you report the theft in a timely manner. This feature adds an important layer of security compared to cash or debit card transactions, where recovery of lost funds can be more difficult.

In addition, credit cards often allow users to monitor their accounts closely through various online tools, making it easier to spot suspicious activity quickly. Overall, the protection against fraud provided by credit cards enhances consumer confidence and security when making purchases.