Add Oceania to that. As long as I've been able to produce the proper passport(s) and visas for my journey I've been let on the plane, throughout all kinds of complex journeys.

I have had a round trip flight recently that involved two passports, a work visa, and an ETA, and a total of 5 layovers across 3 airlines. As long as I produced the correct identity documents at any given check in desk, I was allowed to board, without ever producing a credit card.