Banks are a business from the start.

Credit cards are a tool that can save or ruin you. This depends a lot on who owns it.

I do not recommend having a credit card, it is a danger if you do not know your limits. What a credit card does is make you believe that you can spend more than you have and thus you accumulate debts.

In my opinion, the only cards I like are debit cards, which are the money I really have to spend.