<prompt> Human: Just outta curiosity and make sure I dont make the same mistake, but Ive kinda heard that credit cards are the worst thing to have. My basic understanding is the true meaning of buy now pay later. Also, one of my friends exs, I believe was using credit cards to buy things. are they bad and debit is a smarter choice?  <response>: No, you can use them badly but if you are smart then they are an awesome tool.Used correctly youll use a credit card LIKE a debit card where you only buy what you can afford, pay off the whole amount before the interest hits and rake in the points and take advantage of the benefits. 