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JCDiscover card SUCKS!!!  They charge Merchants 3.5 to 4.5% to honor them and tehn they screw the end user on claims... I have never owned a Discover card and I probally should stop honoring it thru my mail-order company.   American Express is not much better.. Flat 4.5% and they take the money out of the Merchants accounts fiorst and then ask questions..  I have 3 cards personally....  
6 months ago,  Visa and Master Card adopted a new policy... If the transaction is over 250.00 on a dispute.. Start the claim and then close the account. Then they will review your activity before resending a new card to you..  This gives them an "OUT" if you charge back regularly.