I'm a retard when it comes to credit cards, I've avoided them all my life. This is because of all of the horror stories of people who've had them, maxxing their credit cards out, not making payments on time, fucked up credits .etc

I'm contemplating on getting into them if it means alleviating some of my occasional financial woes. Now isn't a good time because I'm dealing with a loan, which I'm hopefully ending in one paycheck soon, but for now I'm trying to collect all information I can of it before concluding whether I'll bother.

A bank agent today just decided to slide in the topic of credit cards when I simply wanted to know what I could expect when I end this loan. I could've just said "piss off" but now I'm again thinking about them.

What are the pros and cons of credit cards I should expect? I figure asking here because people here are more able to streamline without the fancy bullshit beating-the-bush typical talk I'd get from anywhere else who can't simplify shit to save their life.

Luke Smith has videos where he brags about all the free money he got from signing up for like lots and lots of credit cards: https://www.youtube.com/watch?v=wCe1yfEqI_Q and https://www.youtube.com/watch?v=_8F9JbUQlWQ

I avoid them totally. Such a complex thing should never have been promoted to the general public.
The way I see it, the only proper way to use a credit card is to be rich enough that it's no risk. If you use it to bail out of a 'bad financial situation', chances are you're the sort of person who will get back into a bad financial situation, whether it's your own fault or your environment. Unless you're upper-middle class, you'll be playing a game of chance with them.
The world should be just get cash, pay cash, none of this high-tech shit...

i got a credit card chip under my skin and for that i got some walmart vouchers. so its totally worth it. trust me bro