Is Discover better than Chase

[nax]

Haha this should be a fun thread! I can say personally I have never had a relationship with Chase, however I am on the blacklist for reasons no one will tell me. I’m fine with it... I see how they AA. Discover has been good to me.

[Anonymous]

I have neither one. I'm trying to decide

[wasCB14]

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@Anonymous wrote:
I have neither one. I'm trying to decide

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I've used both for several years.

I find Chase vastly more useful, but that's because they offer great travel cards and I have no objection to annual fees.

Which cards are you considering? I'm guessing you're looking for a pretty simple cash back card.

[pinkandgrey]

Yes. 

Lol the opinions are going to be all over the pond here. I would say that Discover is far superior when it comes to customer service. However, Chase is a little more “upscale” if I can say that, and has more options to be honest.

[Anonymous]

Haha ahh yes I have a terrible objection to AF. I'm looking at BT. I think Discover is probably better in that regard but I'm wanting a low ongoing interest in case I don't make the interest free period. I like credit card designs. Ones that CCC 's make not personal ones. I like Visa designs so that would be Chase again though discover is better maybe for BT... What do y'all think

[coreysw12]

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@nax wrote:
Haha this should be a fun thread! I can say personally I have never had a relationship with Chase, however I am on the blacklist for reasons no one will tell me. I’m fine with it... I see how they AA. Discover has been good to me.

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Haha, I have the opposite happening with me. Chase gave me a 2nd chance (3rd chance, actually), while Discover has blacklisted me.

Also I should mention that Discover is the only creditor who has ever sued me. They skip right past the Collections stage, and jump right into the filing suit stage. I think from my DoFD to when I got served papers at my front door was right about 6 months. Never been sued by anyone else, even though I've owed many creditors much more money and was delinquent for a lot longer.

That said, if you pay your bills on time then that's not a problem But if you ever lose your ability to pay them due to unforseen circumstances, expect Discover to be the first one to deliver courts summons to your door.

[wasCB14]

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@pinkandgrey wrote:

Yes. 

Lol the opinions are going to be all over the pond here. I would say that Discover is far superior when it comes to customer service. However, Chase is a little more “upscale” if I can say that, and has more options to be honest.

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Apples to apples (It vs. Freedom) this is probably true. Chase does have better service for certain cards and customers.

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@Anonymous wrote:
Haha ahh yes I have a terrible objection to AF. I'm looking at BT. I think Discover is probably better in that regard but I'm wanting a low ongoing interest in case I don't make the interest free period. I like credit card designs. Ones that CCC 's make not personal ones. I like Visa designs so that would be Chase again though discover is better maybe for BT... What do y'all think

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Discover is generally a better option for BTs and promo APRs. Even they are increasing their non-promo BT fee to 5% though (I think Chase did this on all/most cards some time ago).

Discover actually lets you pick your card design from 143 options (colors, hockey teams, flags, animals, etc.).

[Anonymous]

Thanks for the comments everyone!