I hold the following views:

When weighing the pros and cons, the merits always outweigh the faults.

Credit cards can promote the country’s financial development and domestic demand market, and can strengthen cardholders’ financial management concepts.

With a credit card, you can consume first and then repay without interest, you can accumulate points to exchange for gifts, and you can enjoy low-price consumption at special merchants.

Credit cards can add supplementary cards to restrict (understand) the consumption details of children and wives; they can accumulate personal credit and add integrity records to your credit files, which will benefit you throughout your life.

Credit cards can also avoid the danger of carrying large amounts of cash when you travel for business.

Of course, only by constraining your ability to swipe cards can you take full advantage of the above-mentioned benefits. Just like the two people above said, the credit card you got back is a bomb that will blow you up at any time.

This is just a personal opinion without any other interpretation.