Creeds are just a way of summarizing what one believes. If someone asks me what I believe about baptism, I’ll tell them that Jesus baptizes with the Holy Spirit, but water baptism is important because it tells the world that we are putting away our former way of life and want to have a new life, with God in control.
That is an informal creed. If the person wants to know more about my belief, I’ll go thru the scripture with him and explain how I came to that conclusion.
If I am looking for a church in a new town, a creed can help me know what they believe. If they have a creed that says, “We believe in baptismal regeneration and infant baptism”, then I know this Baptist will not be welcome there. If someone says “We believe the Bible”...well, what do they believe the Bible teaches?
Creeds are not bad in themselves, so long as the creed doesn’t replace the scripture, and so long as folks understand that scripture is the rule, not the creed.
>> “Creeds are just a way of summarizing what one believes” <<
.
Or telling someone What To Believe, without providing adequate scriptural support (or any support).
I believe that the latter happens for more than the former.