Yup big reason I have a Discover and not AmEx. I do not have the best credit, but mostly because I carry balances. Yet I've never missed a payment in nearly 25

Yup big reason I have a Discover and not AmEx. I do not have the best credit, but mostly because I carry balances. Yet I've never missed a payment in nearly 25 years (since being in college) and that was with Discover. I have the same account since then. But AmEx would never accept me.