Credit cards are no more evil then guns or knives or hammers or any other tool.
You can use them or abuse them. I use mine a lot for the convenience and the benefits I get ( flyer miles ). I also pay off the FULL amount, without fail every month. Where’s the “evil”?
The banks themselves are the ones engaged in dirty dealings—offering easy credit to high school and college students, and others who have no business getting into debt.
Have you ever heard of the Universal Default Provision?
Credit card companies that wait until after your payment is late to process it, so they can charge you a late fee...
No, the card is amoral. But the business practices of many of the debt merchants are far from honorable.