On occasion, such as December when I decided to take an expensive vacation to Florida to treat my youngest Daughter and Son in law along with my Grandchildren to a rather costly Christmas trip to Disney World, I did not pay it all off at the normal monthly payment but let it roll over for 2 months and payed it off in installments along with a nominal interest fee (final payoff is next weekend per my schedule).
If you can manage your finances within reason, having this convenience is very useful, IMO.
boa is a leader in inclusive hiring.
Yes, that is what these cards are for - unusual circumstances, but that also includes being frugal and being sure that your card has reasonable monthly interest rates!
Too many folks just get a card without looking at the annual percentage rate (never going to carry a balance, so who cares) but in an emergency, things change.
Local Credit Unions almost always give lower interest rates than a bank.
Also want to add that the likelihood of being a victim of a credit card scam is much lower compared to a major bank. This seems to be a major problem these days, and getting worse!