why to take credit cards

Many people are afraid of credit cards. This fear may be baseless. It is like a fear of fire. Fire can be used to cook food or burn our hut. similarly credit cards can also be used to improve our life.Banks have lot of money with them. They found taste in credit card business where they get lot of money through some dubious methods. Their penalties, interest charges, pick up charges other medical insurance , annual fee etc add up and rob us. so it is not unfair if some one finds a way to escape this legally illegal credit card debt.
when we need money none comes forward to help us except these cards. so, it is better to take from them instead of asking our friends or relatives and feel shy to see them again.