I can't get one, my credit was so ruined by divorce and I suspect my ex not doing as ordered and removing me from CCs he was to pay.
It does suck because it makes renting a car near impossible, and paying for hotels a pain (hotels hold like 25% more than expected bill from debit cards until several days after you leave) etc.
When I was traveling until I built up some savings...it was really hard for me to pay for a ticket (500-1K) hotel (couple hundred to 5K once!) and all the misc food etc charges. At one point my company owed me over 5K and my hotel was on a corp card my boss owned.
I'd like to have one JUST for the car rental etc drama. but I cannot have one.
You REALLY need to stay on them and if you use them go home and pay expected amount that same day and not wait for bill....otherwise you end up paying nearly double for the items you bought if you end up in a spiral!
I think I paid around 7-8K for what was originally around 2K of debt. it's nuts.
I'm working hard to never have credit debt ever again. I have substantial savings now and can pay cash for most of what we need....Altho I DO have a car note and plan on keeping that up for probably the next 5-10 years to help repair my credit.
And I have the joint home that I was tasked with keeping because my ex can't afford it....so I'm DEF not paying down morgage early...but I have given thought to buying a second home and perhaps renting the current since the only offer we got on the house was almost half of what we'd need to break even. I lived there jointly with ex for 36m, and i've been paying the bills myself for err...2 months shy of 5 years now.
You really have to look at it and realize that something may be a good price (etc) like 20 bucks, but after interest and fees and all that you end up paying tons more. if you have to have one and use it for emergencies, do EVERYTHING humanly possible to pay it off quick as you can.
Part of my joint marital CC debt was because I (had to) switched jobs when I was 5-6m pregnant and couldn't take paid leave. My ex made about half of what I did (now I make about 6x what his income is) and we had NO savings due to low income (previous job paid me less than ex made) and had to pay for midwife, etc.
then our washer broke (700 ish on CC) then a week after the baby was born the outside portion of the heat/ac broke (3k) and our income didn't cover or barely covered mortage and bills....so put some of that on CC for the 8 weeks I took....
suffice to say when we divorced a year later, we had 15K of joint CC debt. some was his before we married, and I'd had a little that I managed to get paid off before this point....
It happens QUICK....not to scare you.,