How do you see credit cards?

I have no idea why banks are so eager to sell you their credit cards.

Their selling points are : -

Rebates.
Points.
Savings.
Able to spend over your limit.

I still fear the usage of credit card. After hearing all the horror stories.

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ChipmunkErnie · 70-79, M

Banks want you to use their credit cards because they make money off the use of their cards -- every time you use a credit card the issuing bank gets a small percentage of the amount you pay.