Yes, I do. It's convenient, especially if you use the money during your grace period. But you have to remember that there is always a chance of getting "carried away," so I advise you to think before you start using credit money.
Do not sign a contract with the first bank you see, even if it was recommended by your best friend, you liked the advertising or so says the inner voice. Study the offers of several banks on myfin , assess the cost of services, income on deposits and quality of service. This way you can find the best conditions for you.