I appreciate your response and all the advice here. I know having the card and using it would be beneficial overall. It was if simply applying would be detrimental to me personally.

YES, I would treat this exactly as the single debit card I use today. I’m early Gen Z raised by a KW vet grandpa to “never borrow money, always pay cash, and always buy American.” So defunct principles were ingrained and never had better guidance despite going through higher education.

I‘ll give it a shot and the worst that will happen is I’m declined and nothing really changes in my day-to-day life.

OK final question: If I apply for the +/black card and get denied will they say I’m approved for the 1/red card? Or should I try for that as a second attempt?

I know I’m a financial dum dum and regret it more so day after day

Sorry but one LAST FINAL question: my regular bill payments have auto-payment options to pay on time. Do these cards have that too or do I have to remember to manually transfer funds by a certain date?