Sometimes your paycheck doesn't arrive on time to pay your rent, and paying on a credit card to absorb the fee temporarily is a viable option for some people. Paying with a credit card also isn't a requirement...just an option :)
Or get a line of credit. Or overdraft protection. Or in the worst case just take out a cash advance on your credit card for a few days.
3.25% off the top just to pay your rent is insane.