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The trick on credit cards is to use them wisely, not spending more than you can afford, always pay in time, otherwise you'll get a huge interest on your balance, while at the same time, you're building a credit score.
Not really.
The good use of credit cards makes the credit limit increase the higher your payment capacity is, that is normal, it is how it should be seen, not because of the ability to borrow.
Your purchasing power does not have to be distorted by using a credit card, this are an immediate solution to a payment that due to "x" or "y" circumstances requires the use of the Credit cards or extra money that they do not have today but you must have the total payments at the end of the month, that is the key, it is a financial tool to support your ability to pay immediate.
So if you do not have how to pay the total debt in a minimum term, avoid using them, the amortization of capital is a way to reduce debt but in this type of credit it is the key for banks to subdivide the debt into payments tentatively accessible.