Hacker News Reader

Comment by apparent | Hacker News Reader

People who don't have credit? I used a debit card at one point, though I don't anymore.

But also, they're looking at moving their credit cards to Discover as well, which would make huge waves (both in the credit card/banking world, and for their customers, who would probably find it very annoying).

View on HN

I suspect the play they're making is that putting millions of new Discover cards out there will be a tipping point, pressuring the remaining merchants who don't take it, as a play to break the Visa/MC duopoly.

This could be not that hard to pull off. American Express historically was less accepted because of their high fees, but I don't think Discover has or had that problem.

Maybe I just don't use it enough but I can really only remember one time in the last ~15 years that I've tried to use my Discover card and been told they don't take Discover. I wonder if there's a geographical component, or if certain industries are less likely to take anything other than Visa/MC?

There is a geographic component. Outside the U.S. acceptance of Discover is not nearly as universal as in the U.S. So much so that in the letter that accompanied the new Discover debit cards they sent out, they had something to the effect of “maybe you should bring a backup card” if you were planning on using it internationally.

Ooh, I definitely wouldn't blame people for being sore about that aspect.

They should make a card with a second chip on the other end (that will only be approved if used abroad) so that you can still use an ATM on a trip.

I’d just drop them.

Reply on news.ycombinator.com