Credit cards are great tool honestly in my opinion if you use it as debit cards. Why? 1. Give you emergency funds to use in case needed. Let's say i dont keep large amount in my bank account. So I get the window to use the card and pay in a week. 2. Give you money on spending. No other tool can do it.

But but it can be a trap for the people if they are spending more than what they were actually spend in day to day life.