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Discover Card is abosolutely the best credit card company to work with in the credit card industry. The cash bank is alright but not the only reason to join with such a repubatable company. They call you whenever they feel something is wrong which is great. Since I am now living in a new city if transactions occur in the city I lived in in the past they call, if transactions occur in a new city which I do not live they call to let me know and ensure that these are truly my transactions. Because of the current economic situation, many companies are shutting down credit limits and I have experienced this is the past but not with Discover Card. they know a good consumer when they see one. They try to take care of you and understand your individual needs. No question about it Discover is the best emergency card to carry if you must carry an emergency card at all. You should focus on savings but if not be sure to get a Discover card.