CC is runa, but how one uses makes difference. Of course most of us pay the runa in time and don't carry it over. I just said in general.You can say CC = Runa..
But I saved a lot using CCs..
So it is money making asset for me.. and many if they use them properly...
And I pay the outstanding balance well before statement generation...
Means I buy with the the monel I currently have.. so it is not going be runa for me...