Discover

I applied and was approved for a card a couple months ago. Since my credit is what most consider very good I had no problem getting it. However, I went back and forth about getting another card, but I had a family vacation coming up which was a cruise to the Bahamas. After getting the card I waited to activate it until a couple days before we left. I got on the Discover App and set up an upcoming travel notification and everything I needed to do on my part. Once I got to the city I would be getting on the ship I had to pick up a prescription from a Big Box store pharmacy. When I tried paying the card was declined, mind you I had used it a few times the night before, so I assumed it was either their card reader or a technical issue. After getting onto the ship I initiated a chat just to double check and was asked to call an 800 number.

I had my id stolen. Discover said that they would remove it off my credit if I paid a settlement. $600 later they never removed it and I never got anything in the mail. Just lied to me and stole my money.

I filed a dispute with Discover in January of 2023 because I had purchased a generator from Home Depot that was never delivered. Discover applied a temporary credit and was looking into it (after I had to do legwork with Home Depot and delivery company). After 2 months Discover reversed the credit (without telling me) because Home Depot showed my online order. I never disputed I ordered, but I never received item. I have provided copies of chats with the trucking company stating that the driver never delivered because he couldn't find my address. I submitted a copy of the police report I also filed.

I had ordered a set of led lights (LEDPerf) overseas that never showed up. First mistake on my end was ordering something overseas. But, beside the fact, I opened a dispute as I never received the product and the merchant provided me little to no help in getting me a refund or even providing me shipping details. Month went by and the dispute was completed and Discover ended up siding with the merchant/scammer’s side. I’m not mad about being out the $33.56… I’m just furious that the scam artist WON and they fooled Discover. It is what it is now, but just wanted to provide my experience to whomever it may help.

This was the dumbest thing I've ever experienced from any company in my lifetime. Applied for card, got approved, said they'd withdraw sec dep from my bank acct, sent email saying it was successful and to expect my card in mail. Get card, try to activate it, doesn't work. Call them. Wasted 30 mins of my time being sent from dept to dept. Apparently my account was closed because the transaction from my bank didn't go through. Only solution is to apply for the card again. Except this time, I wasn't approved!! Brilliant stuff. Makes a lot of logical sense. Definitely will never be using them in the future. If the transaction failed, they should contact you and try to find out what went wrong, rather than sending a worthless card that does nothing. MAJOR FAIL.

So I had a Discover card with a great credit limit and 0% interest, COVID causes me to be furloughed from my job so after having an impeccable payment history I was late on 3 payments and ultimately paid my balance in full and did not use my card. Well after months of unemployment I was forced to make budget cuts and eliminating some of my credit cards was part of that, Discover being one of them. Well a few years later, full-time government job, no debt, good credit score, I re-apply for a Discover card due to no interest and high credit limit and I was declined because of the 3 late payments years before. Now I'm sorry but yes the payments were late but the balance was paid and other than those 3 my payment history was perfect but still that does not matter. They only look at the bad, not the good and to me, this prompts me to write this review. So it's a great card and company but don't EVER miss a payment!!

Oh, let me tell you about my wonderful experience with these parasites. My father died on 3 August, 2011. As executor, of course I had to look to settle his finances and estate. Discover Card and their merciless dogs began calling 24 hours after the man died. The calls came at a rate of about 8 per day. They always began with "Sorry for your Loss", and then "You are under no obligation to pay", which was always followed by "Is your checkbook handy?". Every. Single. Day. They would call me while I'm trying to calm down hysterical family. Call me while I'm talking to the estate lawyer. Call me when I'm trying to talk to the coroner. Every day, multiple times per day. All for a lousy 3,400 bucks, which they would have gotten once I'd had the man's finances in order.

The Discover Credit Card folks really need to be taught how to deal with people. Discover employees are rude, arrogant, superior. Unfortunately, people today are incomes are changing with every day. I notified Discover that I'd be late with my payment and some "**" calls me and commence to yell and demand for my payment on this very day. She didn't want to hear about my problem but just wanted the payment. Discover really needs to screen their employees on proper technique on speaking to customers/people in general. I will commence to inform anyone who carries a Discover Card to reconsider going elsewhere for service.

Mostly I've had good experiences with Discover Card, but like most people who come here, I didn't come here to give them kudos. My wife has always liked their customer service and normally I have not had any problems with them either. But one bad experience can really turn a person off and like in my case I just don't trust them anymore. Discover has a policy that says if you didn't receive any goods or services and you are disputing a charge then you are normally (something like that) entitled to a refund. It's important to me that I can trust their word on this. But unfortunately I was ripped off nearly $100 and received absolutely no goods and no services. Zero on either. Zip nada nothing. As a credit card holder one would think that a person in this position would have the option of not paying, stopping payment, getting a refund, whatever.

Discover is racist towards minorities, if you make a large payment on a card with them, from your bank that you have been using to make regular payments from. They will not show that you have paid down the card with the large payment, until up to 8 business days after they review that the payment is the legit. Meanwhile the funds are already out of your bank account. If you want the payment to show quicker and the funds be available on the credit card, you have to three way to your bank with Discover on the phone, so that they can verify the payment came from your account, which is very disrespectful, because they are treating you like a child at that point. They say that normally when you make a payment it takes two business days for funds to be available on the card, but yet if you try to pay off half or all your balance on the card, it takes up to 8 business days for funds to be available after they do research.