QUOTE(Adhinferno Bloodmoon @ Mar 1 2023, 06:21)

Same here, I also don't see any need for credit cards when I can complete all transactions with just debit cards or e-wallet.
To clarify, I didn't apply for any new credits card. These are replacements for my existing one that expired 2 months ago.
There is one benefit of credits cards though, that my bank is only of two in my country that allow its credit card users enjoy 0% interest rate if they opt to pay in installments on a popular online shopping platform. It was useful when I was purchasing parts to overhaul my custom PC specs back in 2019.