Moving to Europe? I have always despised creditcards, their business model is anti consumer and legalised theft. Luckily I live in a country that has superior payment options.
If you pay by credit card, it just goes through without having to pay the deposit. It's one of the reasons why I begrudgingly got a Mastercard, and also for the travel insurance.
That's basically all I use it for, though. I think there's some additional electronics insurance or something, but the basic warranties here are pretty good already.