Executives roaming in the lobby area of the shopping malls carrying papers in their hand will keep chasing you. These papers are basically applications for buying a new credit card. I do not have credit card of any bank with me because my family members have always opposed whenever I tried to convince them on this matter. According to them, a person like me who prefer friends over relatives, enjoy partying with colleagues should not be having one, as chances are there I will not be using the card for proper purposes. They fear one day I will be flooded by debts If I have a credit card.
There can be negative impact of keeping a credit card but there are positive sides too. In case of emergency If you have to buy any household items, go for shopping and do not have hard cash with you, you can always enter the showroom like a giant and shop like a mad man with the credit card. You don’t have to borrow money from others. As per your convenience you can pay back to your bank before the due date.