I don't use credit cards, and I don't see why you should use them. I don't want to get remotely involved in any riba transaction, loans anything. Is getting a brand new car you can't afford really worth it when you consider how bad usury is in islam, when you can get a used car that gets you from point a to point b, is a mortgage necessary when renting will do you just fine?
and why should I eat sushi?
if I had such shallow friends I would hope they purge me from their contact list.
There's a major difference between usery and interest. Every Muslim national other than Somalis buy homes. Somalis conveniently find ways to lose wealth by finding any excuse to not build wealth. A few years there was a major conference on Usery vs Interest and buying homes, many clerks have said buying a home and getting a loan from banks isn't usery.
Hodon if you intend to stay wealthless please don't lure others into your misfortunes.