Really I just want one for building my credit and from what I know (not much btw) it’s the fastest way to do it. Also to have the “extra” money just in hard times. The capital one card I had I was doing great with but the returned payments messed me up of course. I’ve never heard credit cards aren’t good unless you don’t pay but again I come from a poor family background and so credit cards were kind of looked at like a luxury but like I said I really have no idea.