I had it on the second credit card I got through Capital One. I was only 19 when I got it and thought it would be good to go ahead and add since I was horrible with money (should have been a clue NOT to get another cc, but hey). When I was on maternity leave at age 20, going through postpartum depression and upset all the time because we didn't have the money to spend whenever I wanted, I maxed out both of my credit cards and overdrew my account. The good thing was, I didn't pay for the service unless I used it. So the one month I used it, I think it cost me like 89 cents per dollar it paid or something like that. So not too bad. I ended up closing both of those cards back in September. Definitely didn't get it on my current cards though.
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