Best credit card I've found is a Visa credit/debit card that I can use just like a credit card, but it comes out of my checking account. There are better ways to finance if you need a loan! I had a credit card company play the game of upping the interest rate and charging me late fees every month years ago. I'd mail the payment in plenty of time, but they claimed it didn't arrive until after the due date. I quit paying them anything and let it go until thay contacted me and threatened to turn it over to a collection agency. I then asked them what the bottom dollar they would take and called the account paid. Ended up settling for 60% of the balance, but it took 3years to get it off my credit report.
No more credit cards for me!