<prompt> Human: Ok, so I have been wanting to move to discover as my big purchase credit card for a while but just never did. I guess I actually need some advice on if how I am treating my finances is even smart...so heres how I do it:- I have an American Express zync card. This is my main card and I use it for all of my day to day purchases. Because its AMEX it forces me to pay in full every month. So I do! Ive never missed a payment in the year I have had it and I generally like the card itself- Then I use my Chase visa debit card for all purchases where amex is not accepted- Finally I have my chase freedom card for big purchases. This would be like an iPad, tv or something else that I dont want to pay fully outright. Also, I have 1500 credit available and rarely rarely ever have a balance over 700. Very very large purchases I save up for. This is just for those couple hundred dollar purchases. Ok so my first question is is this a good plan? Im especially concerned about the big purchases. I have the money in my savings that I could use to purchase these items but I really dont like digging into there. Id rather pay the interest the purchase brings and spend it out of my income over 2 or 3 months rather than dig into my savings. Now the reason why I want to dump my chase card after two years is that it carries a 22 interest which I believe is high for me. Ive been getting letters that with discover it would be anywhere from 9-18 after 15 months of 0 APR. Should I simply drop chase freedom and go to discover as my backup card or because of how long I have had my chase card about 2 years just simply call chase and try and get them to lower it. I havent seen it in a while but my credit score I believe was 720. Maybe high 600s but that was because I had a balance one of my cards I think. I just havent found a trustworthy place to check my credit score anyone know a place that wont try and charge an arm and a leg through hidden fees?. Anyways, any help would be appreciated. EDIT: Actually chase just calle me to alert me that someone overseas tried to use my card and charge 232 on it. They declined the card, imediately notified me and set me up with their fraud agency. We discussed it and they cancelled the card and reissued me a new one...so yeah I kinda want to stay with them now but I do need the lower interest rate.  <response>: Carrying any balance on a credit card that charges interest is something to avoid. 