Credit can be a good tool if you approach it wisely and study the details in advance. It helped me not only to read the terms and conditions, but also to read other people's stories of service at banks. This way it is easier to understand how everything happens in practice, because advertising rarely shows reality. For example, in one case, the page https://td-bank.pissedconsumer.com/customer-service.html came in handy, where you could see real reviews. Such resources help you prepare and avoid unpleasant surprises.