The idea behind using a credit card is to earn credit for when you actually need to borrow money. You should be using credit cards as proof you can pay back what you spend so you should have that money. An ideal use case is having the money on a debit card, opting to use a credit card and paying it off before it incurs a cost. Doing this would be free for you but could help greatly in the long term when you borrow for something like a mortgage.

But you shouldn’t do this if you are already bad with money. I just use mine to pay for online subscriptions and have them automatically paid off because I know I can’t be trusted to remember to pay them off