Hi, cc's make your life easier for you as you don't need to carry cash all the time. But many people forget to read the fine printed clauses when using cc's. And there are some banks also which look to extract money from us by not explaining the hidden terms and conditions. In the end it is up to you as to how safely you use your cc. It is advisable to cc than dr'c as you get point on cc which can be redeemed. Use cc to buy things which you would buy if you had cash. Its easy to get carried away with all that cr limit on ur cc to buy luxury goods. Remember you have to pay this amt. at the end of the month.
