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People are now enjoying a lot of benefits by using credit cards especially they can enjoy the maximum benefits in making purchases. However, those who use credit cards have to pay attention to several things while using it. One of them is to pay regular installments. If a user fails to make regular payments after using the credit card then he will face a big problem. Moreover, cash withdraw through credit cards, which increases the interest rate. All credit cards are good for those who maintain regular spending and deposits.
if a credit card is used wisely, it is certain that many benefits will be obtained, because there are many facilities that can be obtained from using a credit card, which is different from a debit card.
but what you said is true, that using a credit card you have to be willing to pay according to the bill you get, don't ever make a partial payment of the bill, because the interest received is very high and this can make the bill bigger.
Likewise, like you said, taking cash using a credit card is not recommended because the interest for taking it is very large and greater than a normal loan.
once again you have to be wise in using a credit card because you will get many benefits.