The only impact that is most detrimental to credit card users is when their information data is hacked, however at this time I still really need a credit card, besides making it easier to manage my financial budget, a credit card can help in an emergency. 
as you said, one should wisely use a credit card within the limits that he can afford, not make reckless purchases or make unnecessary loans.
Credit cards can actually be used properly and wisely but it comes back to each individual how he uses it.