I think credit cards are useful during crises. Everyone should have proper wisdom /knowledge before utilising it. A credit card is a good servant but a bad master. Because one can spend a huge/massive/large amount of money using it however unable to manage( to pay) the debt. Still, it's the best option during an emergency when it's time to pay more than the available amount. Indeed, the bank never spares anyone. Consequently, 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.