The banks are there to make money off you, but you have to be smart. Chaurey has very good points.

I used to stay away from credit cards and only use debit card. I started using credit card again because now banks have become more creative to lure unsuspecting people by offering rewards program which are not bad if you pay your bills every month so that you don't pay any interest.

Bottom line, don't fall prey to the Bank, use their system if you can but avoid paying interest, late fees and monthly/yearly fees if you can.