[Rick Lee]

If you want to carry a balance, be sure to make your payments on time each month. A late fee can be at least $40 and that will hurt your credit. These days there are very few things you can't buy with a credit card. My last flights to Europe and China were free because of mileage points on credit cards. And I don't carry a balance. So they're getting the $85 annual fee and nothing else out of me. The tickets I've had comped would have cost more than 10x that annual fee.