Gavin has a credit card but keeps it stashed away in a safe, so he does not use it. How is it still an advantage for him to have it?

Even if Gavin does not use his credit card regularly, he can keep it available for unexpected expenses. In an emergency, it could let him pay for something urgent when he does not have enough cash on hand. So the advantage is that it could be useful in an emergency.

AI-written and checked against the verified answer.