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.
Really? Specify which, please.
I hope you're not going to talk to me about airline miles and stuff like that. The credit companies have it well studied and it is an extremely profitable thing for them, not for the user. For every one user that makes an extremely rational use of credit cards and does not overspend, there are 100 that for the supposed benefits spend much more than if they used cash. In addition, there is also a good percentage who end up deferring the bill, paying the companies succulent interest for it.
Credit cards are part of a bit enslaving credit mechanism.