I don't use credit cards personally. My wife did behind my back, and now I am paying off the balance slowly but surely. Those cards got destroyed.

I have bank cards with VISA, but no credit. I have a corporate credit card that only gets used for corporate business.

I see no purpose in ever using credit cards for anything other than business. It is the worst situation you could ask for permanently, it's like paying double the value for an item purchased with a credit card, unless you can diligently pay the balance owed before the interest is applied, which I don't know anyone that does.