I use my credit card for four things:
1) Gas stations- partly due to risk of skimmers, mostly due to holds.
2) Restaurants- since the waitress/waiter tasks my card to who knows where and does God knows what with it. I thought I was being paranoid until my brother had his card number stolen (he thinks it was from using it at some sea food place in NC).
3) High ticket items- for the possibly extended warranty and charge back option.
4) On-line shopping- for the obvious reason.
According to Wisebread (the site I love to hate!) credit card companies might raise rates to customers who they think might be facing financial difficulties, i.e. customer who use credit cards to buy necessities, like grocery and gas, and or buying discounted items.
Thankfully, I don't carry a balance and my APR did not go up.