Answer:
I totally disagree with my friend. Why I am disagreeing? The main and fundamental philosophy behind my answer is that my friends knowledge regarding credit cards is totally wrong here. Why? Because different credit cards don't charge the same amount of interest from the individuals, consequently, it makes logical that instead of not using credit card at all, and taking benefits from it, first I should check out all the available options in credit card category as well, to have the knowledge that which bank and credit card is charging what percentage of interest. In this case, I will also come to know that which bank and credit card will charge me the less percentage, therefore, I should start using that credit card, instead of not using them at all, this idea seems bit more logical as well.
