Some of my friends are using credit cards and they are asking me to apply for this. I don't know if I should do it or not and I'm a little worried because I have read some stories on the Internet where people had lost money because of scams. Even banks charge for credit cards and this is why I never had any credit

Credit Cards are an useful tool if you are disciplined enough to spend wisely and pay your bills on time, otherwise that same credit card becomes a nightmare for many people.