[Deagle]

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!

[Pox]

Over the last several years this card has been my only CC I've used, and it is currently under %8 APR, variable, but with interest rates so low it was better than my fixed rate %10 card that finally ended up getting canceled due to inactivity.

I will eventually regret that when interest rates finally climb again, but I will have to simply make sure to keep no revolving balance on the card I use and scout around for another low fixed interest rate card to use in times that I need to carry a short term balance.

Many years ago I had over $15K of CC debt and was wasting enormous sums of cash monthly to service that debt, but I finally wised up and payed it off as fast as I could manage and learned the hard way how to manage my finances in the best manner for personal prosperity in the modern age.

My bank probably isn't fond of my fiscal prudence, but they have millions of other customers who more than make up for the lack of steady income they no longer receive from my account.

[Pox]

I've had my CC replaced recently due to the multiple large scale CC information breaches, and I've never had any real issue with scams as I was contacted by the bank the few times my account was determined to be vulnerable to suspicious transactions.

That being said, I only use a true CC for online purchases, and refuse to use my Debit card for any online transaction in order to safeguard my checking account. I also use my debit card as a CC in most circumstances in order to keep my checking account as secure as reasonably possible.