Credit cards are undoubtedly a super instrument for taking credits. It has also revolving facility of 5% minimum payment per month. But people find it a bad tool when they are unable to pay even minimum payout and that becomes a curse. In the long run, the credit card issuers impose several interests even without taking any credit on any card like Over-limit charges, late charges, normal interest etc. Therefore a credit card holder should use the card in case of real emergencies only.
Credit cards for me is used only if you have control on your purchase.Or Else please don’t take and even if you have cut daigonaly and throw.I believe bonus points in credit card are like showing carrot to ASShole. Finally its better to keep debit card if required in emergency and live interest free life.