I found the following question about categories of purchases for credit cards: How do credit card companies track your purchase categories?
I'm about to apply for a credit card, and frankly, it makes me really nervous. I have good credit (I'm in the low-mid 700s) due to a stellar student loan history (paid it all back early) but I've shied away from credit cards due to the horror stories I've heard. I know that financially, it's not the smartest thing, but it's safer in a lot of ways. I'm trying to take the plunge now, though.
I've done some research and I've settled on a travel card (the BarclayCard Arrival) for the benefits, but I read an article online that advised to ask whether certain purchases can be used against you in terms of your credit rating with that card company. I asked this question when I applied for the card, but I couldn't get an answer.
Is this a legitimate question to ask? Basically, I don't want like, doctor's fees or any type of counseling fees (or other things that I can't think of) to negatively affect my credit rating or my benefits with the CC company. I plan on using this as my everyday purchase card, and I don't want to have to think about what I'm paying for.
Thanks! I hope this is the right SE site for this question.