I do agree with what OP says about Credit cards. They are created by banks for there own benefits but they advertise in a way that it looks beneficial for the customers. Banks lure in customers for credit cards by showing attractive promotions.

I have people in my circle who have credit cards and there whole salary is reserved for paying the credit card bills. That's why I prefer to use debit card and spend what's in my pocket rather then buying today and paying later. With credit cards, we develop the habit of buying unnecessary things also.