I think credit cards are useful during crises. Everyone should have proper wisdom /knowledge before utilising those.
A credit card is a good tool but a bad
master. Because one can spend a lot of money using it. However, he might be unable to manage (to pay) the debt.
Still, it's the best option during an emergency when it's time to spend more than the available amount. Indeed, the bank never spares anyone. So, it's crucial to be cautious about the debt dates otherwise one has to pay more than a borrowed money. According to the earnings, a credit card should be utilised.