Discover it Secured Credit Card Reviews

I was on the phone for 1 hour and 10 minutes of MY time because when I signed up I was told they give you 5% cash back on Gasoline. The second agent I talked with who kept me on hold for 35 minutes that the agent I talked with in March gave me the wrong info. It is only March 1 to April 30. She told me she had me on hold getting someone to sign me up for those months.

I have had my Discover card right at 6 months and I started off with a $300.00 secured amount. I made sure I read the fine print where it clearly states that you must pay your other bills on time as well as your credit card bill. My bills had to be paid so this was a true winner. I randomly check my credit cards just to make sure that everything is fine and tonight after 6 months, I see that my credit limit is now $1,800.00 instead of $300.00 I was so happy, I had to call and confirm, the rep congratulated me on my job well done and advised me to keep up the good work. I also was advised to look out for my $300.00 deposit that I paid to start the account. I am so grateful, all smiles here, big milestone in my eyes and I owe discover for giving me the chance. Thank you for always picking up the phone 24/7 and thanks for giving me an opportunity to be credit worthy. -Claude, Adel Ga.

I had a credit card with Discover 9 years. They claim they sent me a letter 2022 stating that They want my w 2 Because I make too much money so they claim that I sell **. But I never received the email when I called in 2023. They told me my card was closed Because I didn't Send the documents back. I asked them, "What documents?" They said, "Discover do not have any clients that does wrongdoing." I feel that's a strong allegation to make on someone. I've spoken With Nancy from the executive from Discover. So I stated to her what was told to me. She was so cold and say, "Well we sent you a letter." So I asked her to send me a copy, never received it. Discover is very racist.

I started dispute of 2 charges in November 2022. Merchant send me items were not as described on website and all of them were not the same from my order, all wrong items. I send pictures of all and appraisal from jewelry company. It was not gold and not a diamonds as seller had on his website. Discover Card solve the problem on Merchant side. Told me, I am not getting any money back, because I received order.

I got one of their secured credit cards. I paid a $2000 deposit for the privilege. I used it for 2 whole months, used the entire credit line each month, paid the balance early, and was generally a model customer. Then, I get an email out of the blue saying they couldn’t verify my identity (though I’m quite sure I’m me, and no one else is) and the account was closed. No one notified me, tried to get the problem worked out, or even asked me a single question. They just closed my account. Now, it’s been 31 days, and they still have my $2000. They told me 6 days ago that my deposit would be “in my hand by the 9th.” I called them again today, and they told me “ohhh, well since you actually *used* the card, it will be 40 more days until you get your deposit back.” As if I would do anything other than actually used the card I went through so much trouble to get.

I called this morning to receive a copy of my Cardmember Agreement via email since I was unable to find it on the website. After speaking with 3 representatives, I had to allow them to mail it to me. I'm extremely unhappy that in 2023 they are unable to send a simple document digitally or that it is not readily available to view on my online account. This does not make me feel comfortable as someone who has entered into an agreement with this company. The representative told me they cannot send the original agreement. The original agreement is the only one I signed up for! They can change the terms of the agreement and I would not know because they are not being transparent about this agreement. I will not enter into another agreement with Discover until they make the Cardmember Agreement readily available online for members.

Account was closed by consumer on October 19, 2022 with a zero balance with no pending activity of any kind. The account had previously been paid as agreed (for approx. Three years), prior to its closing. Customer has documents mailed to him from Discover verifying these facts. Additional charges placed on account were done so by Discover after its past customer’s closing of it. Any and all charges placed by Discover on consumer’s past, "Dead" account were done so unilaterally/illegally and in short, "Fraudulently" by Discover.*

Discover card sent me a letter threatening that they would cancel my credit car unless I chose to use it more, and when I did not submit to their tactic they cancelled my credit card which negatively impacted my credit score by 40 points. There were no negative reasons associated with cancelling my credit card such as delinquent payments as one example, but they refused to supply the credit reporting agencies with an explanation for their threatening tactics as a reason for this cancellation. Beware if you don't use your DISCOVER CARD regularly.

I have been with Discover card since 1990. They have turned into a greedy nasty company who does not care about customer service. They violate credit regulations and they seem to get away with it. If you report them to the credit protection agencies, they lie and refuse to correct their mistakes. I had a situation with Mr. Handyman that I was using to put up an awning over my outside entrance of my basement. The area needed to be covered because of water getting into the basement from storms. Mr. Handyman did a horrible job. They also never finished the project and never got the proper permits to start the job, and since they never finished the work, they never got a Certificate of Occupancy that was required by the town.

It takes some doing to surrender faithful use of a CC that was excellent along with its customer service. But after 20 years as enthusiastically loyal customers, we finally called it quits. The decision comes after repeated entreaties to Discover to rid the main page of a nasty sales popup that blocks quick access to essential spending data. Six or so months with this digital eye irritant and annoyance was enough. We have frozen the card and moved on. With a FICO score in the top-tier, other CC companies were tripping over each other to provide us with a sleek new card.

Discover the card with the big take back. What do I mean? After terrible customer service and card problems, I closed my account. I received an email confirmation from the company confirming the closure. It was dated March 1st, 2022. The following month I received a statement from Discover showing a charge for a Sam's Club membership was applied to that closed account. The date of the charge was March 8th, 2022. I called and asked why it was allowed, and told them it was a fraudulent charge and I wouldn't be paying it. Discover took my cash back reward and applied to the charge. They were still short what the membership cost, so they sent me statements for the balance. They lie about you not paying for fraudulent charges. They just take any rewards you are due.

I have been a customer of Discover for several years. During this time I have never missed a payment and have managed my account successfully and within guidelines. In addition my credit score has risen significantly (nearly 100 points). Yet Discover refuse to give me a better interest rate. I appears to be a profit game with them....They lock you into a high rate and then refuse to engage on reducing it, I have made several attempts to discuss it with them but, they never contact me back!.

I have been loyal to Discover credit cards and always recommending DISCOVER PRODUCTS to friends and families but they recently reduce my line of credit. I have always paid my minimum or little more never miss a payment. I will not be their customer anymore. I canceled all my cards. Used to be very good but not anymore sadly.

During the month of August of this year placed several calls wanting to speak to a manager after finding out that Discover credit card lifted a stop-payment to a merchant who I initiated a dispute against and each time their customer service dept. just simply clicked off on my calls time after time. I work in a commercial cargo boat and it’s very difficult for me to have communications with the external world which made me miss the period of time I had to submit proper documentation to support my dispute but when finally got back to land discovered that Discover credit card sided with merchant just beecause merchant provided a signed contract which had nothing to do with my cry for help against merchant whose name is U-haul moving and storage co. and my complaint was trying to get credit for all the months U-haul kept me locked out out of my own storage space since January till present supposedly for non-payments.

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.