I’ll give my 2p just as I’m here. racked up a load of CC debt 5-6 years ago (£20k ISH) as had no budget and I was a complete patsy for the cc companies.
currently budget with YNAB and it’s amazing. the way it handles cc purchases is beautiful. can use credit cards with impudence now.
that being said, psychologically I still don’t really like them as I don’t like having a negative balance, even if paid in full each month. once bitten twice shy I guess. I do use my RBS card for normal shopping as 1% back from supermarkets, however.