The credit card was design for people who wants to avoid late payment or over limit charges in mind. I have been using citi bank master card.
It is co branded with shopers stop\ home stop. I am using the card from last alm9st 5 years. It is good source for the transfer money from place of the world an another place of the world. I use this card for all purpose, that means for groceries, utility bills, petrol, tatasky, car insurance, aor 5ickting and everything.