Discover Reviews

Discover has been sending me a preapproved offers for a very long time so I finally decided to get one and after they did a hard draw on my credit, they could not approve my application because all of my forms with my physical address they wouldn’t approve any of them. They accept none of my proofs of physical address in a rural area of Alaska. They already did the hard draw in credit which they will not reverse and they won’t give me an extended amount of time to get the proper documentation so I will not be able to get the card.

Discover is now under management of Capital One after it is bought by Capital One. Before, it used to be so anxious to keep cardholders with it that in previous 5 years, if my credit card was sitting empty for 3, 4 months and I have no Balance transfer offer, I will pick up phone and 100 % my call goes to an operator who happened to be ethnically Philippine descent. She will give the balance transfer within seconds. When Capital One was taking over, a year ahead, it went to American-speaking customer service then to replies No Offer. My card is sitting empty for a year and called 5 times but no offer. Contacted Capital One Chairman, no offer. Capital One is known for looking bad credit or poor credit people so they can get them for 30% interest game, not me who paid off 5 times and have 700 plus SCORE.

My husband and I opened a Discover card in 2020 to help build our credit. We started with an unsecured card and, after a year of making every payment early, we were upgraded and given a small credit increase of $200. Unfortunately, in 2025, our business was affected by the economy and we fell behind on payments. We contacted Discover to explain our temporary financial hardship, but instead of working with us, they immediately suspended our card. Despite this, we paid the balance off in full within two months.

Ivy has a very pleasant phone voice, excellent customer service skills, and handled my needs in a timely and professional manner. She was extremely knowledgeable and made me feel like a valued customer. This was truly one of my best customer service experiences ever.

Just because you guys have commercials all through Stranger Things doesn't make you a great credit card. Acting like people are idiots and need to see only your commercial through the whole thing is ridiculous!!!! I will never get a Discover card and will tell anyone who listens to not get one either!!!

I've had a Discover Credit Card for many years. Recently, due to illness, I was charged $35 for being late on my bill by 4 days. The representation stated that adjusting late fees are not part of their policy and so I CLOSED my account and want to have NOTHING ever to do with Discover. Shredding their card makes for good medicine.

I fell for the initial promises of cash back and friendly service, but all I found was a predatory system designed to keep customers trapped in endless debt cycles. The benefits and perks they advertise? They are complete BS when stacked against the reality of their operations.

I used Discover as a credit card for business. Then Covid hit and I was unable to pay my bills. I was able to get a home equity line of credit to pay off my business debts. I tried to settle with discover 6 years ago with what cash I had to pay my debt. They would not take the money, they proceeded to file a judgement against me and when I got a 9 to 5 job so I could pay my responsibilities they proceed to garnish my wages 60 days at a time 3 times a year. To the point I am borrowing more money to just pay my monthly obligations like a mortgage and food. Supposedly this is disposable income that I make and when I call to tell them I am a sole provider they said they do not care if I live under a bridge or eat they want their money. Which by the way is not that much. But they charge me 40 percent interest and whatever they take from my checks is not paying down the card.

I was a loyal customer for years. I had a number of unverified charges and customer service could not identify what/who the charges were from. I attempted a fraud claim and customer service was difficult to work. Needless to say, I immediately shut down my account and I will never use them again.

I have a savings account and a secured credit card, the app was fine and satisfactory until I got my credit card, to activate the credit card it made me register a separate account despite opening the credit card from my original account. There are no ways to merge the accounts so you have to deal with logging in and out for each card/account you have, even if you open a new card directly from your account, you will need to register a second account and log in to that one to see your new card.