Discover Reviews

Discover discover discover! You suck! I’ve had discover for about 12 yrs now… It WAS my go to card? WAS! I noticed just by chance that my purchase apr. was over 28%!! That’s cash advance apr???? So I called and they were not even interested in entertaining an interest rate decrease! These people are thieves and shouldn’t be allowed to do business! But TOO BIG TO FAIL IS REAL!! I have/had 2 discover, one just over 24% and the other just under loan sharking at 28.7%. So why is one low and the other high! But then I’m told they can’t lower!! Haha bullshit! You guys no longer have a place in my wallet! Btw capital one and discover merged last year. So capital one is now discover! Be aware of your interest rates with them too!!

DISCOVER has been absolutely worthless in helping us in our struggle against fraud charges. In April 2025, we paid in full our monthly statement. Then in June 2025, we were recharged over four thousand dollars for a trip booked through a co-booking agent. For over five months we were told, yes you have been double charged but DISCOVER does not have a fraud department. From October 2025 until April 2026, they have reviewed our case. Not once were we informed of the outcome.

I always paid my bills on time and most of the times in full. However, after reporting some fraud charges, Discover completely turned against me and held me responsible for fraudulent transactions on my card. I caught Bryn from Discover's executive office lying to me on a recorded line, and when I confronted her, she retaliated by blocking me from calling every single department at Discover. I am happy to say that I closed my account.

Discover sided with a fraudulent company posing as Huda Beauty (this website had a non working email listed in their site I noticed after I never received a confirmation). I never received a product - but this company sent Discover a fake tracking number from the USPS. Discover wanted me to call the post office to inquire about the “package” - but I cancelled instead. I was a card member for 7 years, but $42 is why I closed my account. I can't trust Discover ever again.

We have had a very bad experience accepting Discover card payments. The level of fraud and dispute handling is extremely concerning. Most of our transactions are low value (around $10), but when a dispute is raised, we are charged additional fees of around $15. If we win the dispute, the amount comes back, but if we lose, we lose the original payment plus extra charges. This makes small transactions completely unprofitable. What is worse is that many disputes are marked as “fraudulent” by customers, and even after submitting proper evidence, the decision is often in favor of the cardholder. This encourages misuse and creates a high-risk environment for merchants.

I have had a Discover credit card since 1993. I receive my bill yesterday it had a previous balance of $54.95 with a late fee $30.00. So I called customer service, and explained that we never receive the previous bill in the mail and asked as a courtesy if they waiver the late fee? They said we didn't have any credits to apply the request waiver. Then I asked why didn't we have credits? She didn't know. I then spoke to a supervisor and his response was the same. I found that very strange. We then decided to close the account because we felt they did not appreciate us as a customer after 33 years of never having an late fee applied to my account. Pathetic customer service.

I was disappointed to learn that a "one-off" missed statement for a small $21 charge resulted in accumulating interest charges from Discover. Given their lack of flexibility compared to other financial institutions, I chose to close my account. Discover has zero grace for long-time customers, prioritizing interest and fees over satisfaction. A quick exit was the only logical choice. Good riddance!

Ordered a $200 gift card from WalMart.com. Since the delivery was timed right after a snow storm, FedEx left the envelope under a Chunk of ice beside the road AS THEY DOCUMENTED IN THEIR DELIVERY PHOTO. They listed the delivery location as Front Porch, but the photo they took clearly has my mailbox in the background. My mailbox is 1000ft from my house. SURPRISE- I never got it but some lucky duck driving by did. Despite my detailed documents, Discover overturned my dispute TWICE based only on Walmart providing basic order details. Discover abandoned me after 16 years of perfect payment history, using my Discover for everything. I won't be using my Discover for anything except the bare minimum to keep it active for my credit.

I have had Discover Card for many years and due to an unauthorized charge on my account I have decided to cancel my account. They keep sending me bills with a new bogus late charge every month. Now they are calling me 3 or 4 times daily just to harass me. Is this the way a honest or ethical company does business? They seemed to have been taken over by scammers. Do yourself a favor and cancel your card immediately at **.

I was a Discover customer for FIFTY YEARS. But based on how they do business now I am canceling my card. My dispute was rejected even though the merchant has tons of complaints for not delivering their services, but Discover sided with the merchant without giving me any reasons why. I appealed to their corporate office and received the same response. Appeal denied with NO explanation. Requested a courtesy credit. Denied. Bye Bye Discover. No wonder why you had to sell out to Capital One. Your customer service sucks.

Closed account without appropriate notice. Claimed they sent one letter (if they did it was misdelivered). Before closing an account, better communication should be used. They wanted me to open a new account which I will not be doing.

7 years with them and the one time I have a dispute they handle it like garbage. If they don't have my back then I won't be using them anymore.

Had my card for 9 years and they lowered my credit limit by 5,000 and I never missed a payment! Highly don’t recommend! My other cards did not do this! Stay away from this card!

I've had a Discover card for years & liked it with the rewards. But this last week I haven't been able to get onto my activities bill site. I called & talked to an agent & he tried to help me but to no avail. I talked to a supervisor & she tried to help me and supposedly walk me through with a new password, scan the QR code & to no avail. If I can't check my activity on a daily basis to check for fraud then I don't need that credit card! I told her that if I can't see the transactions on my account then I close out the account. She did unceremoniously and said I could never have another Discover card. I guess all of those years that I paid my bill did't mean anything to the Discover Card Company! Oh well!

I had a Discover Credit card. Years ago. I owed 3,400 dollars and paid extra always But my bill kept increasing. With no new charges!! It went up to 10,000 dollars! I finally had to mortgage my home to pay it off ! The men I talked to were very rude!!! Can you believe paying all that money!!!! Later I heard there was a class action law suit. I never got a penny!!!

My monthly payment is 3% of balance with Discover card, yet 5 other banks where I have balance only charges 1% of bal, leaving me with more flexibility to pay more throughout the month that strapping me with 3% makes it tight & demanding. Need more flexibility and uniformity. Also 5% 1x fee is abnormally high when other banks charge 3% for balance transfers..

I have been a Discover customer for 14 years. I currently have a 741 FICO score and have never, ever missed a payment. I recently applied for a $5000 debt consolidation personal loan with Discover and was declined. I am beyond angry with them. I intend to pay off my account as soon as possible and close my account. I wish I could give them a big fat zero star.

2nd time I gave Discover a chance, but I am moving all my money out of their account and cancelling my CC with Discover for the last time. Cust Service is of no help in preventing or stopping the fraud, granted only a $49 charge, but even after presenting the evidence, they would not put a block on this merchant, and I did not order this subscription to CCleaner and they did nothing to help. Be forewarned, customer service favors their merchants and not their customers and don't deserve my CC business or my savings account.

I applied for a secured Discover credit card, providing $2,500.00 as collateral, which was deducted from my personal checking account. Following approval, I received a request from Discover to sign a document through Equifax related to the Social Security Administration office; however, I was apprehensive about signing it. Despite my apprehension, I signed it since they had already taken my funds and mailed the credit card to me. On Saturday, March 21, 2026, I received an email indicating that I had a message when accessing the app or website. The message instructed me to contact Discover at 1-800-DISCOVER.

I have been a loyal customer for many years. The one time I had trouble with a fraudulent claim, they refused to help me remedy it. Going forward, I will not renew my card. I will no longer use Discover either.

Believe all the bad reviews on DISCOVER. Terrible customer service. I have great credit and AMX, Citibank and Capital One, all great cards. If you have a dispute, DISCOVER IS TERRIBLE IN RESOLVING. BELIEVE THE BAD REVIEWS AND DON'T USE DISCOVER!! Anyone of the cards I mentioned are great. DISCOVER IS THE BOTTOM OF THE BARREL!

Discover's dispute policy doesn't favor its clients. I closed my account with Discover after 3-4 years because of a dispute claim where Discover ruled five times in favor of a company I was scammed by. I proved through receipts, phone and email records, and legal documents sent by the scam company that I was owed a refund, and Discover still refused to rule in my favor. Not to mention its automatic rewards never went through, and I couldn't transfer my cashback to my bank account (pictured). Overall, horrible experience dealing with this company. It's apparent they want their money at whatever cost (despite Discover Financial Services making a net income of $4.5 billion in 2024).

Worse company that I ever had a card with. I had a false recurring charges from one company. I filed a dispute and was told that we will wait for 1 month for the company to provide a proof and if they are unable to provide us with any proof then these charges will be reversed permanently. Yesterday I saw those charges came back, so I called Discover and now they are telling me that the merchant never got back to us or provided us any proof but we didn't get any proof from you. I asked what kind of proof you want from me when I never signed up or bought anything from this merchant, so how could I have any proof. She kept on repeating herself that if both parties do not provide any proof we put those charges back on our customer card. I never heard anything more stupid than this. I have other cards and never had such a bad experience. I will be closing my cards with Discover and will be advising everyone to be careful with this scam company.

By far the worst company I’ve banked with. I think this company should be advertised for teenagers because all of the restrictions that it has. They stay doing maintenance on their site and maintenance causes you to not be able to use your funds because they lock everything. They have a low limit cap on the money you can send. And they restrict you from different websites and places you want to shop in store. This is by far the worst company I’ve had and I expressed that every time I call them I asked to leave a customer complaint.

Absolute worst credit card in the world. Do not use!!! After 20 years of being a equal client paying my bill every single month for 20 years and then ultimately completely paying it off over a year ago. Properly contacting me and making sure that I was aware that they were gonna close my account for inactivity after 20 years. They hurt my credit by closing the account and then when I found out within 90 days would not reinstate the account or have anything or offer me anything to actually deal with what they’ve done to my credit and me as a customer. Mess up your credit! Work with the Discover card. Totally terrible business practices. There should be laws to protect us against them hurting our credit report, especially if you’ve paid your bill a month for 20 years. Absolutely unacceptable I will take every opportunity to speak poorly of Discover card every opportunity and every chance I get for the rest of my life..

By mistake I OVERPAID Discover by $10,000! I asked them to refund my money TO my BANK! They said they would! After waiting about 5 business days, I still saw no credit to my bank! I this time chatted with them and was told they had ZERO records of my call or report!!! Are you kidding me? So now they show a huge credit! Oh yes they like that don't they!!! Shame on this company! Oh and in the meantime I did also have scammers try to use my card and charge stuff! I'm so depressed! I'm not a spring chicken here!

Discover is the worst. Don't do it. I have had their card for almost 7 years. I have 2 interest rates at the same time. They won't take one off or even convert them together. I pay about $10 more than minimum and the whole payment gets eaten up by the interest charges so the amount owed never goes down. They refuse to put a hold on charging interest so I can pay down the amount owed.

Slow customer service with poor response time even to chat. Website difficult to navigate when setting up card for the first time. Did not get bonus or rewards. Why do I have to keep writing more just to post this review. Downgrading to one star just because of that.

For some reason the app isn’t reflecting the accurate current balance. I feel like the internal software is cheating the customers with miscalculation. Something is very wrong! It is definitely overcharging me $40! Ridiculous!

We're living in 2026, however Discover is living in 2006. As they are resource less when it comes to common billing requests like managing billing cycle dates and/or having their digital app remove the current balance at the end of every month. Poor service and reliability!

I received multiple letters from Discover (pre-approved) trying to get me to apply for a card. After receiving one telling me that I was ‘approved’ and to just activate my account, I decided to do it. Not only did they immediately tell me that I was not approved, they also caused a 67-point drop on my credit score. Calls to Discover were pointless. Do like I should have done and shred any offer you get. It is a hard lesson learned.

Dispute Resolution Department does absolutely nothing to help resolve fraud. Discover says that they support card members 100%, but that is definitely not true. Me as well as many other ex card holders report difficulty with the fraud department and failed attempts to resolve disputed transactions. Beware!!

I hate using Discover. I especially hate that Capital One has switched over to discover. I plan to pay off my card and cancel my credit card with them and switch banks because the payments take FOREVER to process. It should not take that long. I can’t keep paying other bills and deducting what should be taken out already. It’s annoying plus they have random charges. It makes no sense.

My name is Charles **. I been with Discover for years. I paid them almost 2k to pay my balance off. I called customer service to find out why I still had a balance and the lady was so rude. I ended up closing my account. She was very fast to close it without asking or even trying to resolve the issue. They lost a good customer over a lady who answers the phone.

As an account holder, I receive emails offering me as a "valued customer" expedient loan rates with fast approval. Beware! When you respond to an already approved offer, and don't react then but respond later a "do not lend" is put in your credit rating data just for looking and then later actually apply. That flags your credit profile as multiple seeking and then your "approved loan" response is cancelled. And automatically rejects your application elsewhere. No matter one's FICO score is almost 800. The fact you compared offers from competing sources results in being barred from loans all over.

It's hard to assess my online account. Every time I call customer service they hang up on me. I won't use my Discover card any longer due to customer service's fraud department and uncaring customer service.

I paid off my Discover credit card in full several months ago and believed my account had a zero balance. An unauthorized charge was made in October 2025, but because my account was paperless and I received no alerts, I was completely unaware of the charge or that payments were due despite Discover having my contact information.

Discover is absolutely insane. The customer service agents are rude and insist they cannot help with the simplest matters. Zelle payments do not go through instantly (even though they advertise as an instant service- both zelle and discover). I have had a discover account for 3 years and they still have insanely low deposit limits/withdrawal limits and essentially hold my money hostage. They lied to my face about a limit having been set by zelle instead of them, and then when I 3-way called with zelle back, they admitted it was a limit set by them and refused to remove it. Bank with LITERALLY ANYONE ELSE.

Let me preface this by saying I've been a loyal Discover user since 2017, I've never once missed a payment, and that I did previously have an account closed years ago for fraudulent activity after I lost my wallet. Fast forward to the beginning of 2025, I ran up my credit card in December of 2024. Naturally, my monthly payments were higher because I didn't pay everything off right away. I don't thoroughly check my account regularly. I sign in, pay the monthly payment each month and then move on. Come October of 2025, I notice that my balance has gone significantly up. I figured maybe it was the interest payments, but then I started looking through my history.

My wife and I have been Discover Card users for over 20 years and we don’t feel as a valued card user at all! We have really good credit and we are so tired of the high interest rates!!!! Even the President recognizes how the people of this country (USA) are being taken advantage of!!!