notcool wrote:I think its good to vent now and then. Few of us like being told no, and it sucks that discover wouldn't consolidate the cards.
But its important to ask: is this just upsetting for the next few hours or does this make discover a bad payment method for me over the long term? After all, all the credit card companies will at times have their quirks or say no to some of our requests. So if this is just a minor annoyance, well, you will still have annoyances with all the issuers. But if this is a deal breaker - and if discover is not a good payment method for you -- then it might make some sense to cancel.
Members drove himself crazy because no company would give him all he wanted all the time. He kept opening and closing accounts with one issuer only to find that the next issuer wasn't perfect either. Being a good consumer is smart. Getting the best deal for our needs is smart. Expending lots of emotion over credit cards probably is counterproductive.
All true. After cooling off after what is probably a fluke of bad customer care, I reevaluated my situation. The Plat card is great for the 40,000 MR point bonus. Beyond that, in all honestly, using amex isn't in my best interest. If I really want to get a grasp of my spend - I feel I'm better off seeing a snapshot of ALL my spend in one place, vs spread out over multiple cards. Using amex for "most" purchases may help in some areas, but, I may be forgetting at that moment that there is a balance of $250 on another card b/c I wasn't able to use my amex. Literally all bills I have, even electricity, can be paid for with my Discover. I decided to not only keep the card, but re-switch all my automatic payments back to Discover.
In my area, central PA, even all (or all the ones I've been to) small mom & pop shops take Discover. (So glad the local pizza joint does!) A lot of places don't take amex here, even Subway. What I like about it is that Discover is both the card issuer and network it runs over. Less chance of bouncing back and forth when an issue arrises as far as benefits, etc. That's why I prefer issuers & networks to be the same company.
Getting an almost free flight now and then is nice. However, the schedules and availability usually suck when going to where I go. I'm not even loyal to one airline. When traveling to Amsterdam & Tel Aviv I've flown them all: KLM, EL AL, Aeroflot, Air France, Italia, Lufthansa, British, etc. Whoever has the best fare gets my business. Often I can get flights for 800 to 1,000 so burning 60,000 points doesn't make sense. Right now, now that I'm cooled off, I see that in all honesty Discover is the best issuer for me at this moment.
The fact they gave me an automatic CL increase this week is a plus.