Credit cards mean you do not have money, and you’re about to have even less.

Maybe, if you’re bad with money. Treat the card as you would your debit card, and only spend what you know you have, and you’ll be perfectly fine.

I’ve used a credit card for the vast majority of my purchases over the last 10-15 years, and money isn’t a problem in the way you’re implying. But I might also be a unicorn and I pay my card off multiple times a month, and have paid MAYBE 3 months of interest in that time.

My credit card is why I have a stellar credit score and was able to pull myself out of the poverty hole that I was born into.