I have been w Chevron Texaco Credit now Synchrony, fka GECRB for years. I have never paid a day late, but did carry over a 1k balance when I was hurt in a catastrophic personal injury accident. I made sure that I had 6 months liquid savings on hand at all times and when I was injured, I was grateful. This allowed me to keep my home, credit cards, car notes, etc. current.
Never had a bad experience in any of my dealings with either Synchrony Bank, or prior. I do not like "convenience" fees that am/pm and other budget chain gas stations charge, and trust Chevron/ Texaco. I do enjoy the per gallon credit back and this is great card. You can use it for cash advances ( I would not advise it though as I am fee-adverse) and for their merchandise in their markets. Not to mention, very reputable, trustwrothy fuel for my vehicles.
I started out w a fair credit line at account appication, and now 5 years later, have $4k limit and I pay it off in full every month.
Great card to get authorized user for your college, university kids, or household help. They can have a card to use that you are in control of and it actually will help build the authorized user's credit, also, as is reported to the credit bureaus. I love this company.