This just means we have to be careful of when we use Discover and when we don't. I'm sure they feel the double rewards for a year makes up for it. To an extent that's true, but, just be careful of when you use that Discover - now there may be times it makes more sense to use another card just in case. Odds are it won't matter but it just might be important to choose another card for certain things.
My other concern with Discover is disputes. With Amex I have no concern whatsoever there, but with Discover I've heard conflicting things - online I've read they tend to always side with the merchant. But I have a friend who has had one for years who tells me she disputed a charge and they sided with her.
Since I have no personal experience either way with Discover, that's another reason I'd consider using another lender if I hadn't dealt with a particular merchant before or suspected there could be issues with the purchase. In that case I'd want to use the Amex. I personally have not had to dispute anything in years, other than when someone stole my Freedom and charged something on it (Spotify). But you just never know.
I almost hate to say it but in my view Discover should have left the benefits in place since they don't cost that much anyway I wouldn't think, and just not done the 10% rewards on the 5% categories or something. They'd still have been ahead giving 2% general spend and not causing us to question using the card. As a lender, the LAST thing you should want is people analyzing whether they should use your card instead of a competitors card on any given purchase - you want them going to you. This kind of defeats that.
oldsoldier wrote:I have never used any of the services they are doing away with so it really isn't a bother for now. I will think twice when I am traveling about pulling the card out first though. The extra benefits are just a security blanket one likes to have.
Brad Bishop wrote:oldsoldier wrote:I have never used any of the services they are doing away with so it really isn't a bother for now. I will think twice when I am traveling about pulling the card out first though. The extra benefits are just a security blanket one likes to have.
A lot of these services strike me as fluff services which they (not just Discover, but other credit card companies / banks as well) never really intend on people using. Yeah, there's always that one guy, but most people aren't going to think, "I'm broken down on the side of the road.. I'll call Discover - I think that they handle this!"