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I agree. But if you know what you are doing, credit cads are just awesome. Like personally i travel on 1-2 free trips because of the points and free plane tickets. Tho, if you are a typical GenZ, then it's not good for you as you'll just keep util

Definitely true , but it's financial trap for the people who are not financially conscious, most of people aren't that's why. Although if used wisely with minimal utilisation and expenditure it may result good. But people rarely do it.

Credit cards has pros and cons, and what will affect us will be determined by our usage.

Yes but at the same time it can't be controlled easily so I prefer avoid using it

True, even in my family no one has credit cards