Pros: None. You can do just as well w/a Visa or MC
Cons: Overly sensitive fraud detection system
Poor customer service - reads from scripts
This year I decided to do my holiday shopping with my Discover card. On Monday, I made about 5-6 purchases totally about $250 on Amazon.com & they all appeared to go through. Mind you, I wasn't even close to my limit, which is $1,000. On Tuesday night, I received 5-6 emails from Amazon stating I needed to re-enter my credit card info. So I did & they appeared to go through just fine. On Wed. a.m., I went to the grocery store and tried to purchase some food w/my Discover card. It was declined. I called their customer service - and they told me a fraud alert had been put on my account, the agreed to remove the fraud alert right away. They didn't phone or email me, even though they had this info. on file. I asked them why purchases during the holiday season (in small amounts) that were shipped to my street & billing address were declined. So now it's Thursday, 12/16 and I get home from work to find 6 new emails from Amazon - yes, they declined my purchases. I called Discover & they told me their automatic fraud detection system had acted up again. So now I have to try to go do my holiday shopping this weekend, when I have absolutely no time - and am starting from scratch at the last minute, all thanks to Discover. Why bother having a credit card when they don't let you use it? Their over-sensitive fraud detector would prohibit me from using this card on vacation, as I can only imagine how badly it would react to charges coming from another country! I'm closing this account - they are ridiculous & their customer service reps kept reading scripts to me, which only served to anger me off more. I've discovered I'm done with Discover.