Is Discover really that bad?
I'm not trying to defend the "Big, Bad Credit Card Companies," but in my experience they were the best I've dealt with. I recently had a concern over why my available credit was much lower than it should have been, and they helped explain that certain gas stations pre-authorize up to $100 per fill-up, and then can take up to 30 days to remove it. She was able to remove the pre-authorization while I was on the phone as the real charge had already gone through. I have their "More" Card, and just took advantage of it to book a vacation through their 5% back promotion. I paid it off the day after the charge went through, then redeemed the points to cover my vacation clothing costs (I don't own any shorts). This is the last card I need to clear up to be out of debt from the Credit Card Companies, and I still have 0% until August. I've set aside enough each month to pay it off just before the rate goes up.
I'm hoping to steer clear of using any cards in the future, but will probably keep this and my Washington Mutual card open. The WaMu card is nice because they report my credit score each month for free, unlike most cards which charge a fee. My fiancee actually had that service with her Capital One card. They charged $7.95 a month, or something crazy like that. She ended up closing that card after a bogus charge was listed for $100 from the Apple Store. (We knew the charge was fake, since she kept good records of all her purchases. The charge had a phone number listed with it, so we called it in hopes to clear up the mess, and it turned out that whoever posted the charge on her account used one of those "Rejection hotlines" as the contact number. It made disputing the charge very easy...) Anyway, even after we were told that her card was closed, Capital One charged her the $7.95, and then charged a late fee on top of it when it wasn't paid! We argued and got them to drop the late fee, but they made us pay the $7.95 since the service was through some "outside company" Capital One uses, which she was responsible for notifying... This was probably a case of overlooking fine print on her part, but I still feel it's shady to allow a charge to go through on a closed account.
I'm glad to hear that you were able to eliminate your debt on the card though. It's a tough call whether to keep the account open to help your credit score, or close it to help you sleep at night. I wish you the best of luck in clearing up the last two!