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Serious version. Probably mostly US-centric:
Credit cards are a tool. Just like any other tool, they can be useful or they can cause damage when improperly used. Educate yourself on how to wield a credit card effectively.
What he’s trying to say is, learn to use them like ninja stars - shuriken. They’re sharp and deadly if scaled properly.
When I worked at Barnes&Noble as a teen (~2007-2008), my coworker and I would just whip gift cards around at each other. Was a good three months.
Maybe like nunchucks. Use them wrong and they'll whack you in the nuts.