Credit card usage can certainly become a (drug) habit and plenty of articles on that sort of topic from more brainer people than I.

Its often better 2c usage as ‘debt’ cards (not debit/credit) as if u don’t regularily pay off on them then thats all your acccuring.

PS I used 2 work (CTO) 4 one of the top online credit card company so know how it works behind the scenes

Lal