Credit can be a good thing or can kill any company or family if used improperly. The whole system of personal credit cards is just predators preying on the weak. Credit cards are the death of the poor. Banks tempting and going after the most vulnerable charging 27% interest to put a continuous choke hold on them. Those with money have no need for them. Debit cards will do the same things without having to pay interest and keep people within their means. (Something the government should do). Anyone with half a brain cell knows that this is intended to cripple the most vulnerable, puts a strain on the economy, and makes only the rich richer.
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Credit cards are a convenience for me and I pay off the balance every month, They are also a great way to keep track of expenditures which I cannot do with cash.