I worked on credit card processing at a Visa Level 1 merchant, 2001-2003. Amex was far more difficult to handle than any other type of card. 13 digits in a card number, 4-digit CVV, other weird problems that other card types didn't have. Small businesses dislike taking Amex because the per-transaction processing fees are bigger.
As a consumer who got in trouble during the 2008 depression, I will note that Discover is less forgiving, and quicker to sell your debt to debt collectors than any other bank.
My take is to avoid both as a consumer, if you can.
As a consumer who got in trouble during the 2008 depression, I will note that Discover is less forgiving, and quicker to sell your debt to debt collectors than any other bank.
My take is to avoid both as a consumer, if you can.