No. Credit cards don't exist in Cuba. Not for Cubans, at least. Banks only issue debit cards. Credit cards do work here, but only those brought by foreigners, and not all of them. I think only Visa and MasterCard work.
I never include a fund in my budget to help anyone. However, that doesn't mean that, when the need arises, I can't adjust it and lend a helping hand. In my country, that's something we do almost daily, in one way or another. I think it's one of the values ​​we haven't lost after this whole economic crisis we're experiencing.