A credit card is an effective way to purchase anything internationally even if you don't have any money of your own.  This means that when we buy something with a credit card, the bank lends us that money and it has to pay the money back to the bank at the time of instruction. But in this case we have many advantages but also disadvantages because if we can not return the money to the bank on time then the bank charges us high interest and what is the delay they take compound interest.

I don't think it's wise to use credit cards.  Because it takes loan from our bank  And if you fail to repay it on time, you have to pay a high amount of interest.  In this case I think it is better to use visa/master card instead of credit card as you can spend your personal money without being accountable to anyone or paying interest. Using credit card can increase our unnecessary expenses but when you go to spend your personal money through debit / visa / master card your unnecessary expenses can be reduced.