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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MissSimpleMind · 36-40, F

We made over $13K in cashback rewards plus price protections last year. That was between three credit cards. They've never made a cent off us in interest. I also meticulously track our finances and make credit card payments twice a week. I realize there's a lot of people in this world that can't responsibly use a credit card ... and if you're one of them, you're making a wise decision to stear clear.