text: kal raat ko chachi se baat kar rahi thi,unka kehna hai ki unhone toh kabhi bhi credit cards ka istemal nahi kiya, unhe toh sirf cash ka hi pata hai!par mujhe lagta hai, agar sahi tarike se use kiya jaye toh credit cards bhi ek achha option hain, rewards aur cashbacks toh achhe milte hain!