That’s good, but my advice above still stands firm. It doesn’t matter how responsible and knowledgeable that you think you are. What does matter is how potential creditors perceive how responsible you by looking at your credit report.

Sometimes that perception isn’t fully clear, but it is what it is.

Unfortunately the best recommendation for probably this year,
next year, and until you can build and work your way up the card chain is to buy travel insurance for any trip you feel it is necessary.