Me no likey Chase, lol @Medic981 shut the front door
, but anytime you are considering Chase , always place 5/24 first. Its part of the game . Disco will alwsys be there. Those slots not so much.
, but anytime you are considering Chase , always place 5/24 first. Its part of the game . Disco will alwsys be there. Those slots not so much.
@Anonymous wrote:Am I an idiot for wasting a Chase slot? Please talk sense into me. November is going to be a big international spending month for me (UK). Any thoughts on a card for both SUB and staying power?
...if we're being honest I also really want to hit that Disco luv button...
Not at all. I'm in the same situation as you. Besides getting denied for my very first credit card ~13 years ago (no history), I'm well off enough now to not worry about getting declined for anything that interests me. I recently went 6/24 and I have no worries about it. I'd only worry about 5/24 if there is something you really want from Chase. Although, if you are going abroad for a while, I'd shop around for a no FTF Visa.
@Anonymous wrote:I've reached the point in my credit journey where I don't really have to worry about approvals anymore. FICO 8 is ~810, oldest account is 11 years, utilization consistently under 3%, etc. A rational person at 2/24 would get a CSP and stack those UR points. And yet... I want a Discover card... USAA took care of me early on so I don't have an old "getting started" Disco still in the sock drawer. It seems like a great company with top tier support and decent rewards. For some reason it still feels like a hole in my lineup.
Am I an idiot for wasting a Chase slot? Please talk sense into me. November is going to be a big international spending month for me (UK). Any thoughts on a card for both SUB and staying power?
...if we're being honest I also really want to hit that Disco luv button...
You do not need a Discover card. You don't want to waste time figuring out which category is in force for 5%. And you don't want to waste space in your wallet with a card that isn't accepted in so many places.
IMHO the only thing it's good for is its balance transfer offers, but (a) they've been making them less available lately, and (b) they're no better than the offers you could get from a credit union non-rewards platinum card.
Looking at the cards in your wallet, it certainly would be a good idea to diversify, but not in that direction.
If you want a good travel card, I would suggest Citi Premier or Chase Sapphire Reserve.
@Medic981 wrote:
@kdm31091 wrote:Only you can decide what makes the most sense for you. If you want a Discover card get it. Chase isn't the be all end all.
Shut the front door!
That is blasphemy! My life will not be complete until I get my Chase Co-Branded Southwest Airlines Rapid Rewards Priority Visa Signature Card.
Why are speaking silly talk?
A Disco card can come out a wallet just as easy as a Chase one lol , if someone things rotating 5% cats is confusing , wait til they try Chase and all their travel redemptions
@AverageJoesCredit wrote:
A Disco card can come out a wallet just as easy as a Chase one lol , if someone things rotating 5% cats is confusing , wait til they try Chase and all their travel redemptions
And then you have to PAY THE BILL!!!! You have to login and stuff, find and click the statement link, find the right statement, open it, look at it, and then go back and find the Make a Payment link way over there on another tab, and then have to decide if I want to apply my cash back as part of my payment!
Forget it. Don't get DISCOVER!! You don't need all of that aggravation.
This is a very good point. I went abroad to Germany and Prague recently. I had a brand new Discover IT Cash (restaurant rotating this quarter) and Savor One card. The Discover card was only accepted at one location the entire trip and I tried everywhere because eating out while traveling is something I consider a highlight of trips. The Savor One was more frequently accepted. My CSP was accepted everywhere but I left it at a gas station halfway through the trip. We realized an hour later after driving off and I was able to cancel my CSP on the app within a minute. I had a new one in the mail when I was home a few days later. I think chase is the better option if you are traveling. I do love my discover card and will be trying to maximize the one year rewards but go for chase first in my opinion.
@randomguy1 wrote:
You mentioned International Spending. How widely is Discover accepted in the UK?
@Anonymous wrote:
@AverageJoesCredit wrote:
A Disco card can come out a wallet just as easy as a Chase one lol , if someone things rotating 5% cats is confusing , wait til they try Chase and all their travel redemptionsAnd then you have to PAY THE BILL!!!! You have to login and stuff, find and click the statement link, find the right statement, open it, look at it, and then go back and find the Make a Payment link way over there on another tab, and then have to decide if I want to apply my cash back as part of my payment!
Forget it. Don't get DISCOVER!! You don't need all of that aggravation.
Lol, i just login, see what i owe , pay it, log of . Easy peasy Discover girl