Answer:
No, I don't agree with him. Why? The main reason and logic behind my answer is that my friend is wrong in his knowledge here, because different credit cards charges different amount and percentage of interest, therefore, it makes very logical sense, that instead of not using credit card at all, and taking benefits from it, I should check out all the available options in credit card category as well, so to know which bank and credit card will charging me the less percentage, therefore, I should start using that credit card, instead of avoiding them at all.
