My point was that companies break the law a lot, and it usually takes a long time for those wrongs to be righted. By using a credit card, you avoid the harm in

My point was that companies break the law a lot, and it usually takes a long time for those wrongs to be righted. By using a credit card, you avoid the harm in the meantime. And nobody is denied a credit card just for being poor. What keeps you from getting a credit card is if you're poor but spend like you're rich, and so end up delinquent on a bunch of debt that bank gets stuck with.