If you apply for a credit card, you will have a credit record in the bank. If you always pay back on time, then if you need a loan in the future, your loan chances will be higher than others, especially abroad, and you can even enjoy low-interest loans.
But if you don't pay back the money on time, the bank will record that you don't pay back the money once, and if you want to borrow money in the future, the bank will not lend it to you.
Therefore, if you think that you can repay your debts on time after overdraft, then credit cards are very beneficial. If you feel that sometimes you can't repay on time, don't apply for a credit card.