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I've been a Discover Card owner since 1986 when they were sponsored by Sears. They are one of the few card companies that haven't been combined by another card. One of the thinngs they have done is in the security area: they have contacted me when there is an unusual charge on the account. We happend to be in Michigan for a wedding and we made a small charge at a grocery store. We had used a different charge card at the motel. The next day they contacted me by phone to verify the charge to make sure the card hadn't been stolen. There was another incident where my card number was used in New Orlenes for a small charge. When they contacted me I confirmed that I had not authorized the charge. They sent me a letter to sign that the charge was fradulant and then issues me a new card and took the charge off with instructions on what to do if any other unauthorized charges were on my statement. A negative for the card is I believe the interest charges may be a little higher than other cards, which doesn't bother much since I don't carry a balance on the card.