Yah, i won't get one b/c all I get is green algae now. My scraper-on-a-stick is warped, so only the edges of the scraper actually scrape. Maybe I'll get a new one after I try the credit card trick.
Never tried one so I can't advise either for or against. I use a toothbrush for light cleaning and a razor blade for the really tough stuff. Find the scraper on stick disrupts my plants too much.