I know DR say’s no no to any card….but where I live we have to have credit or our car insurance is sky high. Anyway, we aren’t tempted with over spending with it like others can be. So for us it makes sense to have it. I have to the card for 20 years, even before I was married. I’ve never had an issue with them. Maybe I’ve just gotten lucky. I’ve never had more than the $4000 charged on it….back in the day when we carried debt. Now I use it once in a while to keep it active, but pay if off as soon as the charge posts to my account.