I use it but choose a limit that I can afford to pay, this will be a bank trick if we don't realize it but whatever trick we try to do it won't be a trap for us if we use it with common sense.
But in my country what is becoming a trend is that pay laters (it's the same as a credit card but no card is given to be able to use it) are almost in all marketplaces and many have been trapped because they don't use common sense when using them to shop without thinking that they still have to be paid for.