Well, up till now, I've always just paid everything (except for the homes and most cars) with cash. if I didn't have the money, I wasn't getting it When I travel, I use my corporate card (AmEx), as if I'm going anywhere, it's usually for work.
So, the card would be only for emergencies- Nothing more. That being the case, I'll take the advice of looking at the card's 'perks' as well as fine print into consideration when looking at the different cards/services offered. No Annual Fee was one of the things I've been looking out for
Wife and I have mid to high 700 FICO scores, so credit is pretty good for a couple of 'kids' who have only carried mortgages and car payments I suppose. Not really concerned about building credit, per se, but it would be nice to bump our score higher.
Something else to blow your mind... I haven't owned a cell phone in 4 years Kinda funny, I suppose. just never needed it. Wife is always home, office is 5 minutes away and if I do go anywhere it's always with her and the kids (and she has her phone). If I travel, I just borrow it from the wife. Just goes to show how behind the times Ubi is...