I have a travel rewards one. I got it about a year ago. I felt really grown up when I got it since it was my first credit card that I could use for anything and not a specific store. I had a credit card for my former job that also had my employee discount on it. Of course I don’t use that one anymore. and I have a Macy’s one I never use. I have a care credit card which is a lifesaver.

My mom wanrned me for years about the dangers of credit cards. So I’m really good with them and I don’t have any issues. But it is so convenient to use one for a $20 item when you don’t get paid for a few days.