Would you credit it

[ewx]

My bank have written to me to say that they are going to stop issuing Visa credit cards and instead send me two credit cards, one an American Express and one a Mastercard, both backed by the same account.

Do you have an Amex? Is it accepted everywhere? (I have a feeling the answer to the latter is a resounding "no".)

Do you have a Mastercard? Is it accepted everywhere?

Can you see any advantage (to me) of this scheme that outweighs the nuisance of having two bits of plastic instead of one? (You get airmiles if you spend money on these cards but I don't travel enough for that to be actually useful and really I just want a credit card, I don't care about complicated reward schemes.) Apparently it's "more flexible" but I can't help but feel that it's just a way of increasing the chance of being at the top of a randomly sorted wallet.

Is there a credit card you'd recommend? I buy things online, over the phone and in person; I want to be able to pay off by direct debit monthly without incurring any interest; I don't want to pay any fees; I don't borrow money long term on credit cards.

To clarify:

• the Amex accumulates airmiles faster than the Mastercard does; it's not totally pointless if you actually care.
• the letter explicitly says "two credit cards", i.e. the Amex is a credit card too not just a charge card.
• I don't spend much time in rural Belgium.

Comments

[hilarityallen.livejournal.com]

I have a Mastercard (and for a while had visa too), and it was accepted everywhere Visa was and sometimes accepted in places visa wasn't. No idea about Amex - maybe it's for people who visit the States lots.