Discover it Secured Credit Card

They said they returned my security deposit 3 times. It never arrived. Then last week I called again. They said the 3rd or 4th check was already sent out. That was at least 10 days ago. No check. I called again for 4th or 5th time and now they want to put it directly into my account which will take 10 days. Obviously they don’t care about their customers or in my case ex customers. I’m canceling them because they can’t be trusted. DO NOT TRUST DISCOVER CARD!

I can never log in. Discover always says my information is wrong and it takes 20 minutes and a PHD to be able to recover the data that SHOULD be there. And when I ask for help I get hung up on, or if I try to message, the Discover individual doesn't bother to answer. I tried to CLOSE my Discover card through messaging. Individual on the other end, just ignored my requests. Get another card. The garbage this company puts a member through is unfriendly and humiliating.

I’ve had Discover for a while. I was always on time with my payments until Covid. I didn’t have work. They didn’t care. I got behind but I still made payments as I should. I owed them the money. I finally got work. I paid off the credit card and they shut it off. I called to complain. They said keep making payments on time and the card will be turned back on. I said I can’t make payments because I paid it off. I can’t use it so how do I make payments. She said not my problem. So I waited a couple months for them to turn it back on. They never did. So I called today and closed the account t. I’ll never be back with them. They don’t deserve my money and they don’t deserve yours.

I have filed 2 Disputes after buying collectible items, spending money to have them authenticated and having them both fail as fakes. Discover card tells me as long as the fakes were delivered to me there is nothing they will do. Horrible for a company that says they have our backs. They support sellers who sell fake items.

I was enjoying the benefits of getting cash back, it wasn't much but it was a reward? Then they decided to refuse to pay for a website! I switched to my bank card for the moment, until another card I applied for arrive? This card earned me about $300.00 in one month!!! I am glad Discover refused to pay, I made a lot more cash back with another card!!! Thank you Discover for making me choose a better business deal!!!

I thought it was a legit company and that they would have their stuff together. Oh I was wrong. Opened an account with them and I couldn't use it to make a simple purchase. Decided to go with a different company. I was bounced around from department to department and no one could tell me why it didn't work. They just kept telling me, "You're good to go." I finally got so frustrated at the amount of hours I spent on the phone with their customer service and I asked to just close the account. Idk what's wrong with this company. Lack of training or is this their way of saying, "We don't want your business?" I am disappointed because I was excited about the cash-back offers and the chance to build a credit history.

On June 14, 2022, I set up a final payment arrangement with Discover Card. I made the payments on time via U.S. Postal Money Order. I sent my payments via Certificate First Class receipt. (Always send Discover Card their final payments via Certified, Registered, Receipt or with a tracking number.) BEWARE OF DISCOVER CARD'S FRAUDULENT PRACTICES. RECORD ALL PHONE CALLS WITH DISCOVER CARD!

I had a credit score of 831, paid off mortgage and vehicle and I have NO debt & stupidly applied for a Discover card! Got approved & int rate was 24%. Now my score decreased by 29 points! Wtf? This is ridiculous!

I entered a single number on my bank account incorrectly and am charged 29$ and they refuse to reverse it or issue a credit. What type of customer service is this? Spent an hour chasing down 29$ and am now motivated to write reviews to warn you. A lender or creditor should always help a customer who made an honest mistake, especially if it's the first instance.

All I can say is wow, to a normal consumer, this is pretty sketchy. Let's explain. Didn't need the card, got it as a test product. So as a "credit card" no, it's a prepaid debit card, with fees, that will destroy your credit rating in less than 30 days. We tested it for use as a fuel card, and even called twice to verify that 1. It couldn't be overdrawn and 2. It would replenish via account and bank's routing # the recorded answer was a firm "no it cannot be overdrawn" and yes" no worries it will auto replenish". So less than 10 transactions and less than 2 months into it.... A 99 point drop to Transunion and a 88 point drop to Equifax, explanation from them, lack of payment and overdraft, so after many MANY calls, come groovy elevator music, a few great operators and a few unknowledgeable or rude operators, let's throw in some supervisors with limited knowledge or skill as to what to do....

Don't try to use Discover Credit Card, I got mine revoked because I used my card in a website and then threatened me to notary myself to keep the account which I did not do. And then they keep calling saying I have to pay the bill like I know that I have to pay the bill.

I received an email stating my account would be closed after almost 7 years. Their reason was unable to verify personal information on the account. I find that very suspicious after being with them for nearly 7 years. I would also like to mention this is the oldest credit card on my credit profile as well, and no one bothered to contact me about needing additional information for any reason. I wouldn't waste my time with them as this seems to be a frequent pattern. I spent years building my credit and ensuring this account remained in good standing.

My 87 year old dad had a dispute with Discover, it was pretty evident with the evidence we sent he should of won, but they sided with the merchant instead. We both canceled our cards after 25 years with this company.

I opened up a secured credit card account for $200. They sent me a card, activated. It showed a balance in the app. I went to use card. Card would not work. It was frozen account. Call Discover customer service. They were closed. Their 24 hour number connected me to a recording, said I had to do business during business hours, no card support, put me in a bad situation doing business trying to use card. They are very misleading when they say open up secured credit card. They take your money out of your debit card, hold on to your money for a month, give you a card, activate it. They freeze it then tell you they need more information. Can't access in credit line, can't access my $200 cash deposit, keep getting runaround from customer service. Has been the worst experience have ever been through with a credit card company. Business ethics lacking.

I used to be able to close a dispute myself and now you always have to call, But the problem is you never get through to them. It's always busy busy. That is ridiculous. Also they told me that the merchant has 90 days to respond after the 30 days. That's quite a digger list too.

Discover claims to do the right thing as well as excellent with fraud. This is not true and you will be held liable. No one in the company cares. It's all about the bottom line and how consumers can carry the burden.

Please stay away from this company, they provide you with a good line of credit then their system is designed to lower your credit balance to the last dollar on your balance if you don’t pay it all off making it look like you still have your card maxed out to 100%, destroying your credit. And if you try to call them to ask if they can please fix it because of all the damage they are doing to your credit they will not bother to even try to fix it, they flat out will tell you they will not do anything about it that what the system does goes. I will never trust or recommend this company to anyone.

Bunch of THIEVES! Requested a lower interest rate during the Pandemic and they lowered it for six months. After the six months expired, they CLOSED MY ACCOUNT and I was not allowed to use my card. THE AUDACITY! I never missed a payment, I was NEVER late and they do such a disgusting, horrible thing? Worst, despicable company I have ever dealt with in my life-time. YOU STINK DISCOVER!!!!

I purchased an item using Discover Card. The item purchased was basically a piece of junk. The seller refused to take the item back and issue a refund. I appealed to Discover as they claim to back their customers if they are victimized. Discover issued a temporary credit and contacted the seller. The seller stated that the item worked as designed. Discover removed the temporary credit. They took the word of a 30 year customer over that of a crook. So much for backing your customers. I will pay off my balance and never use Discover again.

I wouldn't recommend it. Too much trouble to get your own money off this card. They advertise how you can just go get cashback if you need it but they don't tell you that most major stores don't do cashback with Discover. The list of stores that do accept Discover I have never heard of other than Kroger. My biggest issue is how they did me last week. Sent my security deposit back and then they raised my limit from $200 to $500 THEN closed my account totally for "too many returned payments" when I had been pretty good at making my payments then I have a few returned payments one time and they give me the sack. My biggest thing was they made it seem like I had finally gotten a big break (the whole reason I got the same secured card was so I could eventually get approved for a real credit card) where I could finally stop playing with my own money under Discover cards banner.

I got a secured credit card with Discover to help build my credit. I put $1000 into my account and everything was going good. My credit score went up as I was hoping it would. Had the card about 6 months fully making all payments. Went to Florida on vacation and somehow lost my debit card. I was relieved that I still had my Discover card with me with the full $1000 available balance on it that I put on my card. So I cancel my debit card until I could get a new one when I got back home from vacation. I go out to eat and tried to use my Discover card to pay and it's declined.

You get approved then need to get forms notarized just to get denied if it isn't accepted in that time frame. Mind you they just so happen to get every form except for 1 and I sent them together and the missing form 7 different times. I think they just like to accept your deposit and keep it for 2 months, deny you, flip it and give it back. Such a waste. Citi and Capital One are easier to get and less of a headache.

I cannot believe Discover Card is still in business. I had a Discover Card years ago and I got rid of it because it is not accepted at many Point of Sale locations. I decided to give them another chance and I am still having the same problem. I like using one card primarily but I cannot do that with Discover Card.

The app uses the least secure face id to unlock, the card has an 8 day hold when making payments, and the support system never actually works. Seriously, save yourself a headache and get a different card.

I had a Dispute with a company, Because of a Huge purchase I've made with the company (Carid The company Name)...I paid 9,865.41.. paid in Full with My Discover credit card, I had that payment down to a 1,000 in 5 months, I Realize the company I paid all that money to Still have Not shipped me My purchase yet 5 months later, So I call my Discover card & had to Dispute my case about the company never sent me my purchase yet & I was about to pay the Bill off, I let them know what was Going on & Thank God Discover took over. I sent them all my documents & they took over the case, They investigated my case about 4months, They did credit my account with full Refund, But it was on a freeze until the case was resolved, is called a provisional credit which means you can't spend it until the case is over,

This is the second card I have opened with Discover for their customer service. After a horrible experience with Citibank waiting months to get a resolution on a fraud alert I opened a new Discover card in minutes...with a human being...on the phone...with whom I actually had a delightful conversation about career paths! The agents are always effective and helpful. It is always easy to get stuff done. Fraud alerts are quickly resolved. And if I ever have an issue I know I can speak with someone almost immediately who knows what they're doing and can take care of the problem.

Customer service is an afterthought because everybody else has it. They'll never call you back. Are chat rooms even worse than talking to a representative. You need to go some place else for a credit card.

What a disappointment. I was scammed by a vendor. Discover Card did not help me. I had picture proof and that didn’t even help. Their policy is they have to have written proof. The scam artists in China did not provide me a written confession. I am closing my account due to this.

I have been a Discover It card holder since 2013. They have great customer service Lingo, a decent cashback program as well as a lower APR in comparison to some of the other cards out there. They were great until I needed them most, and they fall short. I am a small business owner (photography) and I was in need of a new light for a campaign shoot that I was hired for with a 48 hour notice. During Covid, buying a new light was the best option. The light arrived damaged, broken beyond repair, FedEx refused to ship it back, and the merchant wouldn't do what was necessary to get an insurance claim.

Sorry Discover I didn’t understand how credit work.. but you guys help me by giving me a second chance. I now have Discover secure credit card. Thanks. I was very excited to get my card and now I can start building my credit.