Over the last ten years, I've tried out a variety of credit cards so I know all about the good, bad, and ugly.

Two credit cards to avoid are Chase and Capital One.

Both of them have had numerous lawsuits. For good reason.

With any credit card, as long as you pay it off every month the odds are you will not run into any problems.

If you are going to keep a balance due on a credit card, you don't want Chase or Capital One.

Chase will hook you with a high finance fee if they think they have you where they want you. Meaning if you get a good size balance due. In the beginning, they will offer you a low finance fee. After a few months, you better watch out. They sometimes hit you with 39%.

When you try to close them out, they may tell you that if you leave your account open they will lower your finance fees. Don't buy this. It's not true.

Capital One is very bad too. I opened up an account with them and was hit in the first 30 days with a annual fee. I wasn't aware there was an annual fee. They do not give you any type of courtesy credit what-so-ever. Period. Don't ever go close to your credit limit with these guys. Next thing you know you'll be hit with an over the limit fee, because they decided to increase your finance fees. The finance fees will shoot you over your credit limit, resulting in an over the limit charge.

There is a good credit card out there though. I love my American Express card. I've had it for years, and they offer very low finance fees. You should try them out!