~snip
There are no bad tools. There is a lack of ability to use them. A credit card is neither good nor bad. How it will affect your life will depend on how you use it. You have already learned from bitter experience and realized that if you don't control the use of a credit card, then this promises big losses. You overpaid large percentages for the use, right? You need to try to use the advantages and minimize the impact of the disadvantages of a credit card. In general, it is wise to use wisely, and unwise use will be unwise.
It sounds a bit absurd, but that's how it turns out.
If you are afraid of getting into debt again, then it is better to switch to using bitcoin.