I have been with Discover practically since they started. I have moved several times and it has always been simple. They have an easy website and you can change your due date on it. I have gotten them to lower my interest rate a couple of times. The main problem with this card is that it still isn't accepted everywhere, so you still need to cary a mc or visa. This is especially true if you're traveling outside the US. My favorite feature is the cash back. You can also get gift certificates to a wide variety of stores, but I always take the cash. I try to let it build up, since I'm using the card anyway. The cash only comes in $20 increments.