Lol, even if I ignore the chip, i haaaaaaaaaaaaaaate the redcard with a burning, fiery passion. I *try* to only use it when I'm buying expensive things. And I use it on the Tuesday and Wednesday before payday to float checks basically. Today I was in line to buy a red hoodie at 2:32 and I was scheduled 2:30. Only reason I used the redcard in that moment is because I didn't have $16.99 in the bank.
Im always in line at the last minute before work and I'm just buying food for my breaks because I convinced myself I had enough time then I get up there and see the clock at :34 and I swipe discover (even faster than the bank card). before the chip came, I made the discover vs pin decision often. I don't rush like that in the real world (i.e. Places that aren't target)