I actually beg to differ 12v
I was talking to someone in this range who has a mortgage in the 15th year (always paid on time), has a couple credit cards Amex (a REALLY old one that I don't think has rewards? It's from 2001), Chase Freedom, and Slate card. Shockingly he has a 20k limit on his Slate and a 15k limit on the Freedom, (he has never logged on to Amex online so he doesn't know his amount and didn't have a bill with him). But he uses the Slate more often and never carries a balance. He was asking me about rewards cards and I said I liked the Chase Freedom (to which he replied "I have that one I think") then he said he didn't want an annual fee and liked to keep things tidy. Afterwards, I suggested he should just use his Freedom card more than his slate and he will be perfectly happy. Well during the conversation I mentioned Capital One and sorted a list on my phone of no fee credit cards from them. Platinum was on there and I said it didn't have any rewards otherwise who knows maybe he would have applied for it lol...
