do u think credit card nessary?

It is necessary but if someone gets to know your credit card information, he can use it.

Credit card is necessary if you shop on-line and if you travel a lot. It's good to keep one. But as much as possible use cash with your spendings and live within your means. Having credit cards on all your spendings meaning you are spending more than you could afford and you'll end up financially broke and paying credit card interests.

if not properly managed, it can lead to debttrap.

yes sometimes is necessary