Discover Reviews

If you're erroneously charged. Good luck getting your money back! If the vendor responds at all. And I mean at all. Any false information. Any document that may not even resemble the transaction - they will side with the vendor! They create many consumer barriers for disputes: such as "you have to wait for the disputed amount to post to your account before we can investigate." And/or "this dispute can only be done by phone." And/or "we miscoded your dispute". And or "we can't tell you what evidence we will need in order to side on your dispute".

I paid online to a company to build a website for me, but that company never deliver the website, took the money and no respond. I dispute the charge, first I got a temporary credit back, then later, the charge repost back to account because merchant defend the case by simply saying I approved the transaction, yes and of course, But the key thing about disputing a charge is I don't get the goods or services as agreed or delivered as agreed. Merchant didn't deliver anything that was initially agreed in the proposal. I lost the case. Discover told me to work with the merchant to get refund. Discover credit card doesn't protect card holders. Don't get discover cards. Just don't. You're responsible for anything you paid.

The pandemic is changing things in the financial world. It's necessary for the card issuers to vet their clientele more thoroughly with all the Covid hardship and deaths causing corporate to take a loss. It's also the great resignation along with the global strike wave with the workers barely surviving on their pittance strike pay. All of these circumstances and more are causing these credit corps to shut down risky accounts and cut back in the good ones. There's lots of tax cheats holding CCs they can hang up before they have payment problems with them. Soccer moms and others similarly situated who are up to their ears in debt will be stopped before they rack up a bill with them or make a transfer which could go sour. All in the face of the global uncertainty. There's a lot of nit picking that'll cause a lot of accounts to be shut off thus protecting corporate profits.

Predatory Company. I had been a member since 2015, yet this company provides no help to its customers during Covid. Capital One waived fees for me, but Discover doesn't care. They'll take your money and smile. Stay far away from these organized criminals.

I just got done applying for the Discover It cash back credit card. I was approved for $1000 which is to be paired with the Capitalone Quicksilver card. I have 10 months of credit history. I had a student loan written off plus I bunged an American Express card over a lost rental car back in the day. I skipped out on a few other things and had collection agencies after me until they finally gave up on me. With this kind of credit history it's a wonder I can get any kind of unsecured credit but Discover and Capitalone have really came through for me.

Made a purchase, returned it per Discover’s request. Now I have no product, out the money for the return shipping and Discover now refuses to refund any of my money. They want me to speak with a “billing supervisor”. But they are never around to speak with and all I am told is they will call you back within 24/48 hours. They never do, so this “dispute” has been going on for 4 months now. THEY DO NOT SUPPORT THEIR CUSTOMERS AND THEIR CUSTOMER SERVICE IS ABYSMAL AT BEST!!! Go with the APPLE card instead. They stand by their customers and have great customer service. They actually speak with you on your time, not when it is convenient for them.

I would not recommend Discover as a credit card service. I was a customer since 2013 and have recently changed my Amazon account to be paid for under a different card when I was still charged by Discover for this Amazon subscription. The representative did not assist me in any way, only informed me that I was required to pay the amount in full and that they would not be waiving the late fee even though I have been a customer for eight years. You are better off looking towards a better credit card company if you would like to find a card to use.

got 2 jewelry items advertised 66 grams each and each were ONLY 45 grams and they ruled in the merchant's favor in my dispute. Had almost TWO OUNCES of silver STOLEN and I'm NEVER spending with them!!!

After years with this company, Discover closed my account WITHOUT WARNING, due to a review and finding a zero balance. When I called to ask about it, they said unfortunately it’s final. No cares at all.

Have Disc. card since it's inception. No problem until now. Saw an ad and ordered online a small battery powered chain saw. Pictures and video included a picture of name brand. Extremely low priced (which should have alerted) Did not receive what was pictured and described on the order, but in very small pale blue letters was what I received. Did some research and found this was a scam and there were many complaints. Disputed the charge, offered to return item, sent photos, etc, and dispute denied. Penalized for my gullibility, they were rewarded for their duplicity.

I have been receiving calls every day on three phone lines that I cannot block from 'Sarah at Discover' about my interest rate. Called Discover Card about this. They are aware of this but have put little effort into stopping the these calls. Say what??? These calls are hurting Discover Card's image but they don't care??? A big company like this should care and put efforts into stopping these calls. Very disgusted with Discover Card's lax efforts.

I had problems with my card being declined while paying for my tuition and I had the most helpful girls, Miss Paige and Miss Margie. I couldn't find a way to compliment them on the company website so hopefully they see it here one day but thank y'all so much! Y'all were both very sweet and helpful. <3 If you ever call Discover customer service I hope you receive these two wonderful women!

Discover Card Identity Theft Protection is $15 a month, and insures your cards, bank accounts up to One Million Dollars. I love it. It's so easy to sign up, and you get a monthly report about your status.

Because of factors like Covid and having to take care of a family member with dementia, my income last year was abysmal. I already had canceled my card and signed up for a payment plan, but was unable to make payments. However, when I contacted them to try to lower that payment and work something out, they were completely unsympathetic, robotic, and did nothing to help me. My 2021 income is a bit better, but I owe back property taxes from 2020 that I'm paying off, and frankly, that is more important than Discover. I've never been behind on property taxes in my life.

I have been a loyal and reliable Discover card member for 17 years! Just found out they closed my account for inactivity. They said they sent me a letter in April I never got it. Something like this affecting credit should be sent certified. I escalated to a supervisor and was told the only thing I could do was apply for a new card... No way.

Advantages: Responsive customer service and fast fraud detection. Decent points/miles program that are easy to use at popular sites. Disadvantages: Not international. Ineffectual dispute protection was frustrating.

I was looking to transfer $ from a high interest rate to a 0% transfer fee with a 0% for a number of months. I saw an advertisement from Discover that has 0% transfer fee and 0% for around 15 or so months. I applied and was immediately accepted. When the card came I read the information and it stated that there is a 3% transfer fee. When I called Discover and spoke to an account manager, he said that, "We never offer a 0% transfer fee." I provided the website and immediately cancelled the card. Not only was I misled the process had a hit on my credit score that I have been so diligently working on. Has anybody looking for a 0% credit card transfer fee that comes from Discover please stay away so you do not have to go through what I have been.

I made a purchase in the amount of $1,128.30 on my Discover card and then had to the cancel the purchase. The retailer returned $1,098.30 (minus a $30 cancelation fee) to Discover. It has been 51 days since the retailer processed the refund (98 days since I requested the cancellation) and the credit still has not shown up on my Discover account. Discover initially blamed the retailer, but the retailer has proven that they returned the funds 51 days ago and the credit was captured by Discover. I have been calling Discover attempting to correct this issue with Discover for over a month now, and still they have not credited the funds to my account. I have dealt with over 25 associates with Discover now and still do not have my funds.

I had the card roughly 3 years, if memory serves me. I suffered a severe stroke (brain bleed) on July 2, 2019. I woke up in a hospital bed and my first question was "what about my bills?" I lost a car/jobs/and place to live. Every single company sent me straight to collections (which I abhor with every fiber of my being) except, Discover=the impetus for my being eager to settle this account. I repeat I was eager!!!! The gentleman I dealt with, quite obvious to me,,did not have the prerequisite skills to both listen and hear my words.

Discover card might have a low annual fee, but you get what you pay for! They do not protect their customers. I had a charge with a merchant who went out of business and Discover would not rule in my favor and credit my account when American Express did for the same merchant for 6x the amount. Not worth the card.

Discover's stated company mission includes: "Our mission is to help people spend smarter, manage debt better and save more so they achieve a brighter financial future." Their values include "Doing the right thing," "Simplicity," and "Openness." Their practices are not in service to their mission and do not reflect their values. I recently learned I've been paying a raised interest rate (almost 28%) based on a late payment I made in 2012. Discover's rep informed me accounts are reviewed every six months, but that there is no record of my account ever being reviewed, and that the inflated 28% will continue to be the interest rate on my current balance (they did offer a slightly-lower rate of 23% on future purchases). I have never been contacted about this.

I am a new customer to Discover and every step of this relationship thus far has been horrific. They botched a balance transfer and have been useless in fixing the issue efficiently. I have had to do all the leg work myself. The lack of intelligence and efficiency in their approach to service and financial matters is staggering.

Just went through a dispute with Discover Card. The dispute lasted 15 weeks! If you think Discover has you covered, you are sorely mistaken. Discover got rid of many of their perks in 2018. **. I have been a consumer with Discover Card for more than 20 years and did not realize that they were cutting so many of their benefits. During this dispute process, I found out exactly how much Discover cares about their long term customers. Zero, nada, zilch. I was told that it didn’t matter how long I had been a customer and whether or not I had ever disputed anything before.

I have been that pain in the **, calls all the time, nitpicking, obsessing customer and Discover has gone well above and beyond every single time to resolve my issue(s)! All representatives are incredibly knowledgeable, well spoken, and go out of their way! Employees for most other companies will play the “other department” blame game, pass you back-and-forth, say they don’t know (and not offer or try to find out), blame other companies, or even put you on hold for long times only to be disconnected in the end. Instead these employees work together across-the-board, communicate with each other well, and take really good notes (so I’m not repeating myself).

Discover is usually taken only after issues with Visa or Master cards and they are aware of that status and give you credit for maintaining the card. By that I mean you will not get additional penalties or interest or late fees. I've found their customer service to be helpful too.

My experience with my Discover Credit Card was fine until I noticed one day that I wasn’t getting credit back when I was paying my credit card like normal. I talked to customer service twice once in March and today and they said I enrolled in a temporary hardship program where my interest rate and minimum payments would be lowered after 12 months of paying on it but my account would be suspended still even if I paid it off. I told both of the CS reps that I never consented or signed anything to get lower payments or lower interest rates.

Customer service always helpful, friendly and quick to resolve any issues and/or answer any questions. I had a question about some charges to my account and they were more than helpful to investigate while I was on the phone to help clear up my confusion and resolve any issues I had. This is the best credit card and bank I have ever worked with.

Credit card has up to 10% cash back for 1st year. No other card even comes close. Money market has high interest rate. Customer service is always excellent. Credit card is made of heavy metal which is very stylish. All these features make Discover bank truly unique.

Sent Payoff balance via check issued from Citi Bank as a cash out refi to pay off these crooks. Sent overnight mail via FedEx. Discover tells me they can't find the check and has no way of contacting their processing department. They have no way of tracking down who signed for the FedEx letter and says they don't show in their system. Whatever that means. Their payment processing is broken IMHO and they offer no resolution. They advised to wait ten days to see if it shows up. How messed up is that? This is the worst CC company I've ever had to deal with. Please do yourself a favor and don't use Discover. IMHO, they are the worst. May have to hire an attorney to get some resolution.

The worst customer service ever. Cancelled the card even after income and all other verification. When asked they say it's system decision to cancel the card and could not help it. Would never go for Discover card ever again.

I sent in the information they requested prior to the due date they provided me. I received an email stating the account was closed due to a failure to provide these documents. I called and spoke with a representative who verified that they received all the information they needed and they were just waiting for everything to be reviewed and finalized. The account was never reopened because they said there was information missing. I was blacklisted by Discover due to this reason and cannot get approved for another card. At this point, I don't want a Discover Card and my husband closed his credit card down due to the treatment I provided by this terrible company. Stay away. Citibank is ten times better.

I opened a Discover account about 20 years ago in my own name, so as to establish my own credit aside from my husband's. They have been very helpful throughout the years -- like notifying me if something on my account seems "off", intervening to get me credit from unauthorized or bad charges.

Applying for a CC and was denied. When asked for more information it took a while to get someone on the phone who could help. Despite having a full time job making 6 figures a year with a score of 825 the only thing they took into consideration is that I opened an Old Navy credit card within the past few months. This is also the only CC that I applied for in the past 10 years. When asked what information is taken into consideration when applying the individual insisted that they look at the whole picture yet reiterated the ONLY thing that lead to a denial is the "recent inquiry." She suggested I develop a good relationship with that CC and reapply.

Thieves. Not the first time I see similar activity. They start accruing interest before the amounts even post to the account. When I respectfully challenged the "Supervisor" on the phone in Salt Lake City, Utah, she (Haley) simply hung up. I'll take that as an acceptance of guilt.

I like DISCOVER because it allows me to EARN money on my spending/payments. It's not available on all cards; so I like to feel like a SPECIAL CARDHOLDER at all times. I have been a cardholder for many years, and it's a nice PERK!

Last November thru December, Discover offered a $45 Statement Credit promotion for a first-time Sam's Club membership purchase. I purchased a first-time Sam's Club membership by using the embedded link on the promotional email. After 6-months of waiting for the statement credit to appear in my account, I called Discover. The representative claimed that I activated the promotion at ~ 5 pm on 11/28/2020 and purchased Sam's Club membership at ~3 pm on 11/28/2020. According to the representative, since I allegedly activated the promotion after the purchase, the promotion did not work and I was denied my statement credit. After the call, I looked through my Google account activity on 11/28/2020 and found that I visited the "Register Your Membership -- Sam's Club" webpage at 5:40 pm on 11/28/2020.

I wanted to open a cash back checking account several years ago, and have attempted to do so on multiple occasions since. They still send me emails about it, the latest one today, despite the fact they have turned me down and adjusted their site so I can't even finish the application anymore. Due to my religious beliefs I don't use a SSN, and tried to explain that to them. Originally they gave me the run around and asked me to do things that of course didn't work. Now they just won't let me finish my application, despite sending me occasional emails. They don't seem interested in accommodating religious minorities, despite the fact that their free credit check uses Experian, the credit company that does not need/rely on a SSN for credit scores. Oh well, my home town bank will get my business since they chose not to discriminate. Discover's loss.

Have disputed charges and Discover customer service is either unavailable or they make excuses for the fraud and charge me back. They never allow me to explain the problem. It seems customer service works for the perpetrators of the fraudulent charges. Then after being on hold 10 minutes and getting switched around the phone system, they hang up on you. Really really sucks.

Went to make a $200 payment, Discover refused saying it wasn't enough. They would NOT ACCEPT A PAYMENT. They let interest build up, got a court order, and what was $2,000 is now $10,000 getting garnished. This should be illegal. Screw this company.

My identity was stolen back in November of 2020. A card was opened in my name around the 4th of November, and I noticed it due to Credit Karma. I called them immediately which was around the 12th of November. They told me they would close it and do an investigation. They did close it and I am not kidding opened another freaking account in less than a week. I again called and canceled that card as well, and they determined that it was a good account even though I had already closed the first one and immediately closed the second one. So now they opened ANOTHER account about a month later. When I called and canceled the first time the amount was about $150.00 and when I did it the second time the amount was about $1,200, and NOW IT IS OVER $2,000.

I have been a Discover card holder since 2006. I was threatened by a letter from discover to use the card or they will close my account. I hadn’t used it in a long time. So I used the card in order to keep it open and waited for the bill. They never sent a bill. Then 40 days after purchase they file a nonpayment on my credit report. They never called or sent a letter. When I contacted them they said they used an email from 2013. I had no idea they sent anything because it’s old and I don’t have access to the account. They screwed my credit without contacting me. The supervisor Tom said, "That’s our policy" without anything else to help or say. I promise as a veteran that teaches Soldiers I will pass along what a bad company Discover is. Soon it will be like Sears its originator

For years I thought my Discover Card was great. Then, a car wash membership I'd cancelled over a year ago starting putting charges through. These charges weren't even on my current account number, it was an account number that had been changed more than eight months earlier. I disputed the charges. I called the car wash, they apologized and sent me a coupon for a free wash for my inconvenience.

We had Discover. After years of high interest. We used a debt settlement company to negotiate our debt with multiple credit card companies. We were able to settle with all the other credit card companies except Discover. They took us to court us with an attorney. And were unwilling to settle. They ended up garnishing wages. If you get into financial hardship later they’re not a company that will help. I don’t recommend them. Now I don’t recommend getting into debt.

I cancelled this card two years ago, with zero balance. When I received a new card from them in the mail, I was confused, so I checked my spam folder. Somehow, they failed to cancel the card, and are charging me on a card I've never used. They have no record of my making a purchase, that I can find. My credit score was 806. Now, it's 726. I couldn't figure out why, until this card showed up, and I started investigating. Discover may have done irreparable harm to my credit score, which directly affects my ability to buy a home or invest in business. I'm still just floored by what they've done to me. Can they just get away with this? Have they become another Wells Fargo? Are they even capable of repairing what they've done to my credit score? I don't know, because they only take calls 8-5, Eastern Standard Time, when anyone who wants to contact them will have to interrupt their own work day to deal with the problem Discover created.

Won’t help me or update me on anything... Been 2 weeks since I order a card and have not received it. Nobody seems to help or know where it is or when it’s getting here don’t. Det a credit card with them.

A while back, I used Discover's 0% APR balance transfer offer for eighteen months, and until February 2021 everything was fine. I had an appropriate amount of my Discover credit line remaining on my credit card, and this time I chose to use the 6.99% balance transfer offer for 15 months. When this was completed, I could no longer see my original 0% APR account, as I was planning to pay it off so it would not revert to that usurious penalty rate of 25% or whatever they charge for going over the agreed upon 18 months. That is, any payment whatsoever I made, would go into the new now combined account, and some small portion would go to the older balance. BUT in other words, they said I could not pay off the older balance transfer in full, unless I paid the entire balance before April when the original rate period would end.

Watch your back with Discover. They have no regard or loyalty for customers in good standing. Even if you have an excellent credit rating and have made every payment on time. They affected my credit by closing my account without warning-and against my wishes - because I didn’t use it for a year. Even though before that I had used my card for every bill, charging ridiculous amounts and paying the balance monthly. I suppose they can make more money off people with poor credit and account management habits by charging fees... but they will definitely not have loyalty if you are a good customer. Short sighted policies that have lost them this customer for life.

Discover is like all credit cards, they make no money serving you unless you are a poor credit risk. The vendor is their prime source of income. The vendor (where you use your card) is charged for every transaction. I have been a Discover Card customer since inception and won't change. But, I know they have little to no interest in me ~ because I pay my card on time and don't use their high priced credit services.

Evidently Discover is in the practice of cancelling the cards of their most diligent customers without warning and damaging their credit. If you keep your card paid off they will cancel your card without warning: just read the reviews here and see how they do this and then lie to you about it when you call them. This happened to me and it hurt my credit. There should be a class action lawsuit against them. I'm going to call Stringer, Greene & Feiner in West Palm Beach and so should you.

I applied for a Discover it Card late December of 2020. I was approved immediately. My $200 security deposit was taken from my bank account 3-5 days later & I anxiously waited for my card in the mail. Once received I attempted to activate it immediately through the Discover app. After many failed attempts I ended up on the phone with a representative. The first one from technical support who asked me to read him off the numbers that started with “A”. 10 seconds later he says my card is ready to use. That was the 1st lie. After attempting to activate my card again, I call to speak with another rep. After my call being passed around a couple times I was finally given the exact reason why my card wouldn’t work. That reason being that apparently the social security numbers didn’t match & all they could do for me was deactivate the card, close the account, refund me my security deposit & start the process over.

I pay my bill. I paid off my card. Then I charged more than. I get a call. They want my tax records and disabled my card which I think is ** since I am a loyal customer and make my payments on time and make more than amount by far more than they want paid them 3000 in 2 weeks and they want to disable my cards and want my tax records. I thinking of getting a lawyer and see how this can be handled. Not happy.

I returned a big purchase and it’s been 2 months and I still haven’t received my credit for it. Now they’re charging me an interest. I pay my credit in full every month. I’ve been waiting for this credit to pay off a new purchase (had to return a fridge from Sears and buy a new one). I was told it would take 30 days but it’s been for more than that and now it’s costing me. Complete scam to their customers. And horrible representatives that give out false information. Will be switching to a better company.

Discover is very nice to speak with, 5 stars for their actual team member support. One star, like noted above, solely for their new physical card designs. Their new cards (we have the IT card) has printed on numbers, not raised numbers. We are 0/2 in new card success over the past 7 weeks. Two of the cards have come, right out of the envelope, with the printed numbers distorted in one example and in another an 8 was already scratched or misprinted such that it looked like a 3. Hahaha, would seem there is a print issue and certainly a robustness issue with their new print solution in recent batches.

On Black Friday 2020 I was the victim of a scam involving gift cards. One would think that Discover would have a program that denied multiple charges of the same item in the same denomination in the same location during a constant one hour and fifteen minute time period (preceded by the same purchases at a Pick-n-Save store for 58 minutes!). I have been told it's a matter of "free will." To ask for the charges to be reversed in a reported fraud case was equated to breaking up with a boyfriend and requesting Discover to refund my charge because it was a bad breakup!!?!

The plastic on the item I received was defective along with scratches and small dents. I put it back in the box to return as soon as soon as I pulled it out. I requested a return when I was told to keep it. Months later, (since August) they reversed the charges and charged it to my account as a charge for software that I have never purchased when in fact it was a Simplehuman trash can. I called to find out that they had gone out of business so Discover refused to credit my money knowing the item wasn't what I had ordered /defective. I had snail mailed all of the emails and photos. We have had a Discover card since 1984 and never had a problem. After this, I will never use a Discover card again.

I opened a Discover credit card and immediately enrolled in their automatic payment system. Unfortunately, that system didn't work and the first 3 months of payments weren't automatically paid like they should have been. When I reported it to Discover they admitted they were wrong and removed all the late charges for those payments, but they refused to remove the negative items on my credit report which means for the next 7 years I have to pay for their mistake by having bad credit. I don't understand why if they removed the late charges that they wouldn't remove the credit report items? Anyway it was such a negative experience that I would not recommend Discover to anyone. Get a Visa, Master Card or American Express instead.

Bait and switch, they claim their secured card dollar amount is matched, not so! Capital One MUCH better! Buyer beware! It was a horrible experience. Also the card took forever to get, now my credit has been hit with a hard credit check for a useless card.

I applied for a card to do a balance transfer. One was 10k, others small. My credit 7k, so they could not do the 10k, so I am thinking ok, let me make sure they didn't charge me and I was indicated the 10k wont process since well 7k. Without informing me they transferred balance on the small ones (don't care) but like 5k from the 10k, I did not want it if it was not full amount. I was not informed, emailed or anything, I don't check account everyday practically who does, but checked several times. They did the transfer 12/14, and when I called they said they could do nothing when it said pending on my account, but apparently it was already transferred.

Discover Card has proven itself to be a lousy company. I had been a customer from 1994 - 2020. Out of the blue, I called Discover to ask about a charge I saw on an old bill. I wanted to confirm that I was not paying for a service that I did not use. During that call I was told my account had been closed. I was surprised. I asked if there was an unpaid balance or delinquency. There was none of those things. Then about two weeks later, I received a letter from Discover Card indicating that they had closed out my account for lack of activity... I was thinking, "What are they taking about? Aren't we in a pandemic?"

Discover claim they sent me a letter telling me to use my card but they close my account without my knowledge affecting my credit score gravely. I will never do business with them again. Everybody should be aware that if the card closes it decreases your available credit affecting your credit score aggressively. Discover did not feel the need to educate anyone about this.

Do not buy the crap that Discover wants you to buy. Both my wife and myself had 15k credit limits with an excellent credit score. Discover refused to do any type of credit balance transfer. We cancelled both accounts.

I've been a loyal member of Discover Card family for a few years now and have never been late nor missed a payment. Recently due to Covid and unforeseen circumstances at work due to the pandemic, I was stuck in a situation that I could have never imagined. Fast forwarded to a few days ago when I was release and had to open a new bank account and made the payment with that account, but after seeing that the payment was not deducted from my new account but other credit card companies has been I called Discover and they advised it was my fault that I must have done something incorrectly when entering in my information - they didn't care to be understanding or show any compassion for what I was say or have been through, they only cared about their payment and when ever happened to my credit was basically on me. I'm so disappointed.

Had Discover credit Card since 2010. Discover closed my credit card without any warnings, that impacted to my credit history. Customer service proposed to open new credit card, but I asked to reopen old one to keep my credit age. Too bad.

I give up! I've had a Discover Card since 1993, but having had several small issues with them over the years, I stopped using it. I received a "new card coming" email, and sweated out the extra week it took to arrive long after the time range specified had passed. It came today and I could not get it "turned on" either by robot or a customer no-service person. Their online chat was useless, saying that everyone was gone to vote. It's called big people planning. Oh. I also specifically do not want the "tap to pay" thing that came with it, but what the heck. Awful service, terrible way to do business.

Discover credit card is awesome. I was able to open up a new card with not only 0% interest but also 0% balance transfer. I am so glad to say I was able to pay off all my debt. Thanks to Discover. They are definitely a top grade credit card company, they have worked their way up. For your next card don't even hesitate get a Discover card.

Discover provided very nice promotion of no interest for 14 months. They made it easy to understand and to use. Discover is always more than ready to answer any questions by phone or chat. I am very happy I chose this card!

This is an excellent credit card for their cash back rewards on quarterly categories. The categories change every three months and are not always in areas we use a lot. But when they are, they are worth a whopping 5% back on categories such as gas stations, restaurants, wholesale clubs (Costco, Sam's, etc.), Walmart, E-Bay, or even any online merchant. Past problems of acceptance at some merchants have been resolved: the Discover card is accepted almost everywhere now.

I LOVE earning rewards with this card. It's easy to do and easy to redeem! Our points have bought us many a date night gift card. It's the only credit card I use.

Discover has great communication with customers regarding benefits, promotions, text when purchases are made. Only negative is that I have had my card for quite a few years, always paid on time & have been a outstanding customer, but my interest rate never goes down.

For over 25 years Discover has been our primary card. In those 25 plus years, we couldn't be more pleased with Discover. They are tops in our book.

If there were 0 stars, I would give it deservingly. I have been a loyal member of Discover since October 2011. In those 9 years, I have missed a total of 2 late payments due to forgetting the due date. I have paid them off in full immediately. Fast forward to October 2020, I have not used the credit card in the past 7 months (recent activity was on Feb 2020) due to COVID. I had no balance and was in good standing. Discover decided to close my account without any prior NOTICE or warning.

Enjoy that Discover offers a decent cashback amount for each purchase. Also has quarterly categories for more cashback. In addition, have used the cash advance option for 0% on large purchases.

Discover was my first credit card and it works great. It's awesome to have all that cash back bonus. Not every retail accepts Discover yet so that's not perfect, but their security is top level!

Best card ever! I love being able to freeze my card when I misplace it. I love getting an updated credit report. The customer service couldn’t be better. They are always super friendly.

I like the 0% interest and the cashback program. I also like how easy it is to make a payment by phone. I also like the customer service I receive anytime I need help. They go over and above to help and are very nice about doing it.

Besides the awesome interest rate they e-mail me to let me know when a payment is due in time to make it. Also one of my favorite things is that their website is easy to follow to make a payment which is a real plus for my generation, I once paid my utility bill 8 times trying to pay a $25.00 bill.

Low interest rate and text and e-mail alerts. Online statements and cashback on purchases. Extra cashback on purchases that Discover promotes for example 5 percent when purchasing gas or cashback when linking the Discover card to my Amazon account.

Discover is very easy to work with. They offer no interest for a time period. Easy app for your phone to track purchase and make payments. Online access is easy to navigate..

I use the Discover for additional monthly benefits that are offered through the card. I also started with a no interest Discover for my first year which saved me money as well.

I have spent the past 8 years keeping my credit score pristine. My family is struggling due to the pandemic. And despite me reaching out to them, they put a delinquency on my account. 100 points, GONE.

I don't have to pay a annual fee. I'm get rewards to cash or gift cards. They have great customer service. I can set up my monthly payment on a certain date.

I believe Discover to be the best credit card to possess. If you own a Discover card you can guarantee that is the most secure card of all.

I get a free credit score monthly. I get points which can be used on Amazon. Their service personnel are all based in the United States so I can understand them.

They are very respectful to deal with. They let me skip a payment one month when I didn’t have the money that I ending up paying. But they are charging me 2 different interest rates every month which makes it hard to pay off.

Used for business expenses and earn amazing points. If any suspicious activity occurs, and it has many times over the years, I get a text and email alert. I can call the 800 # at any time and have never had to wait. Any item that was not a legit charge they removed.

Can set up notifications as low as $1 whenever card used. Either text, email or both. Can add to Amazon for rewards point spending. Honored a credit not a canceled purchase that an agent should not have authorized. Offer larger % cashback on certain purchases. Easily accessible customer service.

I have had this credit card for as long as I can remember. It has been my grocery and medication card and I feel it is one of the best cards that I use. I love the cash back rewards the most and use them when I need them the most. I love that this card keeps my credit rating at first class, also.

I have had Discover for years and I like everything about the card. The options for cash advance, the cashback feature and it is widely accepted, make it the card that I always kept. Customer service was great the few times I have used them.

I have a few credit cards, like most people. The one that I use most is my Discover card. It gives me rewards over my other cards.

Discover has a great security system that notifies me when there is an odd use of my card. Discover's reward program is the best. Discover allows me to personalize my card.

Discover card customer service is consistently the best in customer service as long as I've been a member. No hassles, few questions if I had a complaint and quick to answer all calls.

I like Discover card because it's used almost anywhere. It's a lot easier and safer than carrying cash! It's got good security, not been hacked into yet.

I had been a Discover Card holder for 29 yrs. My credit limit was $14500. At the time I closed my account I found out that I had been deceived about the 1% cash back on all purchases. In fact, I was getting .25% back on the first $3000 charged each year and 1% back after that. In all their ads and brochures, this was never made explicit. As a result, I disputed the final cash back bonus with them, causing me to be $7.00 "delinquent" for over 60 days. This is now on my credit reports for the next 7 years and is responsible for my only getting a $4000 credit limit on my newer credit card. I think this is very bad business practices for a very good customer.

My Discover card has always been accepted at any restaurant. I have used it to make many online purchases, which saves me the trouble of having to go to stores to shop. I love not carrying lots of cash when I go on a date, especially if I am going to some risky areas.

They are a company with a heart. When my daughter had financial problems, they went out of their way to help. It is my oldest card, with good rewards for gas purchases. Their website is easy, transactions are seamless, and they offer a credit protection service.

Discover was always easy to reach on the phone and were able to take care of any issues I had. Have always been one of the first credit cards to grant a credit limit increase and send offers that are definitely of value.

I've been a Discover Card holder for over 20 years. That's because their customer service has been great and it's so easy to use my cashback on Amazon. Plus, I have the best card style ever, which everyone compliments on.

I received a 18 months no interest on transfer balance, and also got another 15 months interest free on purchases after 10 months.. My credit limit was also increased twice.

I have had my Discover since 1986, plus I have it personalized. I have never had a problem with it. I get money back for using it and I get my FICO score.

I’ve applied and was accepted for the Discover Credit card roughly 2 years ago. It was my very first credit card ever. Having it has helped me build credit. It also allows me to use my monthly cashback earnings on Amazon.com. Another great thing was that my credit line had increased from $650 to $1200, then from$2700 to now $4200. With the higher credit line come more frequent transactions, so both good and bad. There’s also zero monthly fee. Not sure if it’s because I’m still a student or not, but that’s always nice to see in a credit card.

I got the Discover card by transferring 3 cards. So in no way was I using it just paying the monthly amount. Paid down 3000 and wanted a new card to transfer 3 cards to different discover card. Talk to customer service applied for new card got decline. Never told other card was frozen and that you cant get new card until after a year. I never heard him say my card would be frozen and I cant get any new credit card until a year goes by. Corporate didnt help either. Tired of credit cards!!!

I Closed one of my cards and paid the entire balance of over $900. A couple of months later I have 30 day past due charge on my credit report from interest generated after I closed and paid off the balance. I received no communication from Discover to advise of this charge. I have not had a past due charge for over 3 years on any credit card or account. This caused my score to drop by 96 points. No one at discover has been willing to resolve this matter so I will be closing my other card.

Great customer service whenever and for whatever you may call about. Very helpful in resolving disputes with merchants. Corresponding via phone is quick and very pleasant. Most companies should take training from them dealing with customer service.

I love my Discover card. It offers a lot of different options as far as low payment loans and 0% financing. I take advantage of these offers to pay down higher interest rates on my other cards.

Discover is very easy to work with when you have a question. Customer service is a must in today's world. I also get back money for using it and I love that. Discover is always the one I pull from my wallet to use!!!

I really feel that Discover tries to give customers extras. They have a card that allows payments up until midnight of the due date, instead of 5 PM. They also give your credit score each month and monitor your personal information for suspicious activity.

I've had Discover Card since 1980 and use it all the time. The Cash Back Bonuses build up and I can use them when I want to. I had a problem where someone attempted to use my card number in another state since the charge amount was more than the amount I set up in my qualifiers. I was notified by Discover of the pending charge for approval. I immediately looked at my account and found 6 other charges also just under the amount I had selected. I called Discover at 10:00 pm on a Sunday and explained what happened, within 15 minutes the pending charge was stopped/frozen reported as fraudulent as well as the other 6 charges on my account. My card was closed and I was issued a new one which I received Tuesday. That's what I call service! I've been very pleased with Discover Card over the years and would not be without it!

I have had a Discover card for over 20 yrs. At one point my account got compromised, and they notified me immediately, closed out that account, and issued me a new one. Customer service is great, rewards are great. I highly recommend them.

My Discover card is my go to card. I accumulate points on it which I can use at BJ’s. It’s a great feeling when those rewards pop up and I can use them towards my purchase!

Discover Card is all anyone could ask for in a credit card: super, stateside based customer service, cashback rewards, instantaneous alerts via text message when card is used, and NO FEES for regular use when payments are made on time.

I have had Discover for many, many years. I have never had a mistake on my card and any problems with retailers were always resolved when they helped.

Discover offered a great way to rebuild credit without charging unnecessary fees. They make it easy and quick to make instant payments. They are also offer competitive interest rates.

When my wife passed, they went out of their way to waive that month's payment, even though I did not request it. Of course the cash back is a nice bonus.

I have been a customer since 2017 and made payments on time, then the COVID 19 happened and I am out of the job. The interest is awful, the Customer Assistant staff is rude and unprofessional. These people are liars and predators with an uneducated staff that does not even know their job title.

I just got a Discover card and use it a few times. When I go to the store to buy soap and my card declined I called the and couldn’t get nowhere. Never got a voicemail. They said I posted to got and they claim I need a security code message that I still haven’t received. Can’t even cancel the card or anything so I am not happy to be a first time credit card holder so I got a card that I cannot use. Try to give them zero stars but I had to give them one.

I’ve been with this company for over 6 years and always made all my payments even paid off 10k with them and since this pandemic started my family has been struggling and I reached out to make arrangements for payment and the next day after I told them I’m struggling they shut down my online access and threatened to close my card if I didn’t comply and give them access to my tax returns with the IRS. I file my taxes jointly and my husband is not on this credit card and he refuses to give someone that access to his information and said that’s ridiculous and intrusive.

The Discover credit card is one thing, their banking is quite another. Simply put, they don't know how to conduct banking transactions. Just two examples, a) Their website is down sometimes when you're most likely to use it (!), i.e. on Sunday mornings. Or they'll do maintenance and cut off half the capabilities EVERY weekend. b) They don't know how to do outgoing wire transfers(!). You have to fax or upload the transfer request form, then call them to verify your information. Then you have to wait 1-3 business days for THEM to call you back and authenticate your transfer request. I kid you not folks. Upon speaking with a supervisor, she told me that international wire transfers take 1-3 weeks to be processed at Discover(!). Of course almost all other banks send them out in 1 or 2 business days.

I had a Discover IT card with a nice credit line that was my Emergency card. I had zero balance and it was not used in 2 years. As a result they lowered the limit and closed the account without warning.

After losing my job payment arrangements were made back in March. Middle of Sept I was to call back customer service... I called 9/15 to pay in full only to find that in August they sent to debt collector.

Discover customer service is by far the worst out of all the majors, Citi, Chase, HSBC, etc. They take forever to get a hold of and then instead of resolving your concerns they simply tell you they understand and then cut you off. In these very difficult times they need to be compassionate and at least try to lower your interest rates to accommodate outrageous, greedy business practices. Will freeze, pay off, and never again use Discover and encourage others to do the same.

Love my Discover card! When I have a question - I call. The representatives are the nicest, most knowledgeable people, friendly, but professional. Love all the perks, like cashback and 5% bonus. Thank you!

I went to my account to pay bill. It was frozen with a message stating there has been unusual activity on card call. I called. Had nothing to do with charges. They wanted a 1099. The way they handled it is scummy. If you want a 1099 ask. Do not deceive your customers. I closed account and will never do business with them again.

I recently paid down the credit card to a balance of about $3000. I did balance transfers for zero percent interest for 12 months of $6000 and paid a fee of $300. A few days after that transaction posted, I was able to payoff the $3000 balance that was interest bearing. The payment did not post to the interest bearing portion, it posted to the zero percent portion. I paid the exact amount of the interest bearing portion so the CS rep could see that was my intention. She refused to apply the payment to the interest bearing portion and would not escalate my request to get some help. I am paying off this card today and refuse to do any additional business with this company.

After being a Discover card member for many years and having a substantial credit line with them, I was notified by Discover they have closed my account because I PAID the balance off and had not used the card for over 18 months. As a responsible, PAYING account holder, my account was closed simply because I have not made new charges since paying the balance off. Additionally, I did NOT receive notification that my account was to be closed if no new charges were made. Had I been given the opportunity I would have made minimal charges and paid them at the end of each billing cycle.

Deletes accounts due to inactivity. Low credit limits. There are much better cards out there. I certify that this review is based on my own experience and is my genuine opinion of this business, and that I have no personal or business relationship with this organization.

I have been a Discover Card for many years. Always paid on time. Never late. I paid my account off for close to $5500.00 and then they suddenly lower my credit line by 3000.00 for no reason and with no notice. Absolutely absurd. Does not respect loyal good paying customers.

I paid my loan in full and closed the account with them in 2018. But they still filed a delinquency to my credit report because I had delinquent in 2014. Yes, I had delinquent on my account in 2014, but I paid the amount off and they closed account after 2014, in 2018! I called them to delete the collection they filed to my credit report, Discover Student loan wouldn't delete, they said there's a delinquent once happened in 2014, so they don't care if the account was paid off after the delinquent in 2014. It's very hard and confused working with them, the customer service was saying the same thing again and again, NOT HELPING AT ALL! It's Just a bad company to get student loan from. Please if you do need a loan get from other bank, not Discovery bank unless you want to them still to file a delinquency when you paid off your loan.

Seem to have gotten more helpful.

100 percent trash. Got ripped off online. Ordered a tire and got face mask instead. Provided detailed description of incident with pictures. Discover sided with the online criminals. So...what does that make them? Aiders and abettors?

This card will charge you like crazy if you late with a payment and if you pay it off they will still charge you penalty because you in the circle they said. Don't get this card. There is a much better card out there. Can't wait to close it.

I had a line credit of $6000. I was never late on payments. My balance was $0 and out of blues for no reason they drop my line credit to $500 and told me they will close my account in 30 days. I call to resolve the misunderstanding, and all they said it was, "We took our decision" and that it, so all my hard working on building a good to perfect fico score down to the trash, oh by the way when this happened my fico score was 740. There was no reason for them to do this, I will never do business ever again with them and I will make sure all my family, relatives, friends and all people in my pad know about this.

I had Discover card acct since 1986. Never missed payment or paid minimum required but always paid in full. Lately I disputed charges from NY Sports after I no longer go there: discover deducted the disputed amount one month then added it following statement. I refused to pay those disputed charges so they added penalties and interest on my monthly bill and split the amount on my sons credit report. They call me on daily basis offering me to pay certain $ amount and close the deal. I ask them to put that in writing but they refuse. Now my sons are affected by this: they never made one transaction using discover but they put it on their credit reports. What can I do?

If there is ever a problem I can call & speak to a person IN THE UNITED STATES that speaks perfect English, who knows what they are doing & will stay on the phone as long as necessary to help. Wait time on a call is very short or they will call me back. The only time I will use another card is when the seller won't take Discover. Oh yeah, did I say I can call & speak to a person IN THE UNITED STATES that speaks perfect English.

Discover card has no annual fee, the customer service has always been very pleasant, they real help you during tough times, and I love the cashback rewards feature, and they will give you a credit line increases yearly.

Discover is very helpful if you want to protest charges that are fraudulent. I have done this with Discover and had an unreasonable charge removed. The cashback rewards are also nice and easy to use.

I just got off the phone with Loren who is a supervisor with Discover in Phoenix. I was questioning my charges. According to her the interest charges of around $100 can go away if I pay the daily balance of around $5000. I am also paying around $100 in minimum balance. So they just add up the interest charges and just tell to pay off when we are here trying to reduce the payment. I wasn't even aware of the interest charges being added up and ever increasing because of their ridiculously high apr. I just want to pay off the balance and close this card entirely and take my business elsewhere such as Costco Citi card or cards which has lower apr. I will never use their card again or do business with Discover.

Always helpful, they keep an eye on unusual activity and call you immediately. If you travel outside the general area you live in, and do not let them know, they call you when they see charges to make sure it is you! My son was given his first credit card with their student credit card program, and he is building his credit profile easily.

Customer Service is very good. Reps are helpful and treat your concerns with respect. Fees/interest can be extremely high especially with higher limits. Have some cashback redeem rewards! Overall really good card to have!

Every time I call there they are so helpful. They are courteous and respectful and always have answers for me. The hold time is never long and they all speak English. They give you plenty of time to get your bill and get the payment sent in.

Discover card is pretty much the only credit card I use. I do not have any fees and they give cashback on different services different times. That cashback has come in handy when I purchase through Amazon. They are good about watching your account in case of suspicious activity too. They also keep you up to date on your credit score. I think discover is the best.

Whenever it has been necessary to contact customer service they have been very efficient & courteous. Any problem was immediately handled. When they noticed a charge on our card which they deemed suspicious they called us to clarify. This has happened more than once.

I love my Discover Card and use it for everything. I like earning the cashback especially the special 5% cashback. It is my primary card and I put everything on it almost and pay it off every month.

Have called Discover for help once or twice in the past and always gotten responsive, thorough help from a knowledgeable individual. Only good things to say about their customer service.

On great credit card! No fees, you get great rewards on your purchases and top on the line customer service! On great deal, I’d definitely apply. Especially the rewards, it’s good for either travel, straight up cash or even towards Amazon purchases. Go get you one.

I complained about possible fraud charges on my account. I don't recognize the charges. In addition I wasn't using the cards. I get a late payment notice (shocked that there was a payment due as I wasn't using the cards not even in my wallet). I discover charges are fraud. I was promised an investigation and a refund of late charges as I've never been late and always pay on time and had no idea there was a balance since I wasn't using cards.

I have had numerous credit cards by far Discover is my favorite one. Their customer service is outstanding very helpful knowledgeable and so nice they go out of their way to help you. I like them so much I added a new card a few months ago. They also pickup on scams when your purchasing something get instant text if you still want to purchase you text back yes. I also love pulling up my accounts online very understandable. One of my cards which isn’t Discover made online account. It was impossible. Come to find out wasn’t just me. They got the kinks out but very rare using that card so didn’t bother to try new site out.

I have had Discover card since it used to be Costco's go-to card. They have since changed to a lot of different cards. I use Discover card for things that I want to keep track of, like medical expenses. I also like the fact that it gives rewards and extra rewards for certain categories at different times of the year. They are on the ball, too, if they see something suspicious.

Having a Discover Card is all that's needed! Their terms and conditions are the best and there's no hidden fees and such. The customer service when needed is excellent, and all in all Discover is great!

I am delighted to have the monthly score on my credit. It is a quick way to stay on top o my creditworthiness. There is nothing else required, it is a very good company to do business with.

Great customer service. I can depend on Discover to take any questions about charges to my account seriously and they are always available. Their representatives are helpful, speak English as a first language, thus are easy to communicate with. Although I have other charges--Visa, Master Card--I prefer using Discover because I trust this credit card company.

CSR reps always interact with customers by speaking to them not just asking questions, and I have always had my questions answered, directly. Have never had a problem with their advice and gave me good info.

Service representatives are always courteous and helpful. We have no problems if balance is paid by due date. Credit score is free. They have always been very prompt and thorough in providing answers to my questions. Online, by phone and by email. Mo annual fees is a great feature. I had this credit card for over twenty years.

I originally thought Discover was a good credit card until I got it. Highest interest rate of all the cards I have. During covid they cut my limit causing a drop in my credit score even though it was still being paid on time. Other companies offered deferments and did not drop limits.

Been a Discover cardholder since back in the days when some businesses didn’t accept it. The easiest card issuer/bank to do business with of any I’ve used—and I’ve had many credit cards. Whenever they notice ‘unusual’ card activity they contact me to verify before deactivating the card—great feature when traveling. The flexibility of the Cashback Bonus program is an awesome way to save money!

I have been happy with Discover since 2009 so much so that when my son was in high school, I helped him get a card in order to build credit. However, out of the blue, they cancelled my card due to inactivity. Mind you I just sent my last payment to them in September of 2019. It would not cost them anything to simply send an email, text or letter giving me a choice. What is most disappointing is that I’ve always been punctual as it pertains to my payments and have never faltered. Silly me, I thought that would have made me a great customer. Not happy at all but hey, I’m just one customer. They don’t need me.

I have had Discover cards for at least 10-15 years and I have used them as my preferred card for that long. I have never been disappointed in them and the rewards are wonderful because I watch their calendar of special rewards and use it carefully!

Discover has been my primary card for 15 years and I've never had a problem, whether replacing a hacked card or screwing up my password.. I pay in full every month, but even if I didn't, I have a very low interest rate (12.9%). Other nice features: I get my FICO on every statement and can pick the look of my card (mine in Saurat). And customer service is U.S. based.

I only use one credit card, my Discover card. I use it throughout the month and pay it off every month, so I get the rewards and no interest charges. They notify me if I go over my single purchase limit (that I set) and let me know if anything suspicious shows up on my credit report.

Hands down one of the best credit card in the market. Any problem I have they respond so quick and will fix it right away. Also, they work well with any dispute or fraud that I have reported, I can take a lower interest rate but customer service is so good!!!

Their internal systems have twice flagged small purchases that weren't mine, were found to be "tests" of the card. Both times I had new cards within 48 hours and everything transferred to the new cards. Also, once there was a mysterious payment of $1 from an unknown bank. I called Discover, they determined to be safe to change the card, and did an investigation. Turned out there was a lot of that going on. To me, the only drawback to the rewards system is that certain merchants/types are highlighted just per quarter for maximum rewards. That means you have to go online and "enroll" each time they change. Would rather have a set % on everything.

I've had this card only a short time; however, every promise made has been kept. I genuinely like their billing method. Very clean and easy to read. They even break down your spending for you in a pie or however you want by categories! Great way to stay on top of your budget!! Discover is widely accepted, comes from a trusted well known company, and has various options of cards to choose from to fit your needs. I Highly Recommend Discover. SO DISCOVER YOUR JOURNEY WITH DISCOVER!!

I have been with Discover Card for many years. I have never had a problem or issue with them not correcting it. Several times my card had been used by whoever and they immediately notified me and never charged me for an authorized use. They immediately issue me a new card. I can't tell you how secure I feel using my Discover Card knowing they are always on top of an issue. Customer Service has the best knowledgeable and courteous people. They are tops in my eyes.

Discover is one of my favorite banks for credit cards. They have really good rewards depending on your preference, even without fees. I haven’t had a single issue with interest fees like I have with Citi and their online management tool is very easy to use. Discover also has micro-perks that add up for me, like freezing my CC or the way the cash-back links to my Amazon account. I will forever have my Discover credit card.

I have been using Discover for the past 5 years. I have never missed a payment or made a payment late. During tax season they put my account on hold, not letting me check what was being spent on my account on the mobile app and on the computer. They did not care, I had to call them 3 times and my husband 2 times. The card was still working but they would not let me see my statement. I asked them to be able to see it since I needed to do my taxes and needed some information from what i have spent last year. They did not care. I has been a month and they did not solve, so I canceled the card and the minute I canceled my mobile was working. No explanation, nothing. Also It is a valid information that I have no problem with my. taxes, everything is good, so this makes no sense. I used to have all my payments with them. They do not care about their customers. Do not recommend. Awful customer service.

Discover rewards can be used when they are earned - there is no threshold so they can be used monthly to help pay the bill. They are great about security. If any action might be considered fraudulent they contact you immediately. I once broke up a payment in a store to get maximum coupon rewards and they called to ask if the charges were legit. I have never had a problem getting them to help get refunds from venders when services were either not provided or not as expected. Overall great customer service and since I don't carry a balance on my card they are effectively paying me to use it.

I am not using my Discover card much now. Under financial duress, I am waiting for a new offer, but in past years (I've had it for many years), I have loved using my card. I once goofed up in doing a transfer. I called and explained and did not have to pay interest on the amount involved in my mistake! Also, I think Discover was one of the first to offer points back for different categories (restaurants, groceries, gas, etc) for three-month periods and I benefitted from this. I just have a different feeling about Discover compared to other companies.

I have a Discover card, it has a fairly high credit limit, and I have never paid late. When COVID-19 hit, I didn't ask Discover for any assistance. Instead, I made a large payment to reduce my balance and give my credit score a boost. Discover immediately (same day) responded by lowering my credit limit by the amount of my payment, causing my credit score to drop. When most credit cards are assisting customers during the pandemic, Discover is harming theirs.

Since I've been with Discover I haven't had any issues. The company sends me alerts and keeps me posted on all transactions. I've always been able to access my account via the internet. I really do like all the benefits that they offer.

I've been with Discover Card for as long as it's been in service. Customer Service is #1 best there is in the Business. Rewards are great and may be paired with Amazon. The Q. 5% additional points programs are helpful when I remember to use the Card. One Discover Card will always be in my wallet and one Card is in my Home Office.

On the few occasions I've had a problem and had to contact Discover customer service, the rep has always been helpful and able to resolve the issue. He or she had obviously undergone training, so lacking these days, and spoke clearly. The cashback program is awesome!

Just a really great company all around safe and secure! They've always had my back when it came to a dispute. I never had to pay for anything that I get them by and if there was a problem after I did buy something got a great customer service policy.

I have been with Discover since 1992, love the cashback bonus, have always received great customer service for returns, disputes on buys, just any questions, and great no fee card. Best of all my credit cards, was easy to increase my spending limit, and knowing my credit score on every statement.

I've been with Discovery for few years now, customer service is always helpful, never rushing me easy to talk too. I lost my Discovery card and was replace within few days. I'm happy to be a part of Discovery!

Discover was very generous during the pandemic and the financial difficulties it imposed. They agreed to reverse interest charges as I explained to them I was waiting on a full cruise refund and thus my card balance would be zero.

Discover Customer Service is by far the best of the several cards that I have. The wait time is tolerable and you can usually get a rep in about 5 minutes or less and they are in the US. Any dispute I have had with a charge has always been completed timely.

I have been with Discover since 2011. I have NEVER had a late payment. Last year they ran a "random" credit check on my account. I also have an American Express credit card & last year they erroneously put a late payment on my account (there was a $2.50 fax charge charged to my account at a hotel that I was never notified about). Discover decreased my balance from $10,000 to $500! I explained to Discover that it was an error & American Express had rectified the reporting of the late payment. Although they also confirmed this was an error on American Express, they refused to reinstate my balance and offered me a $500 increase. I will NEVER use their card again.

This is the worst credit card you could get. My card number was stolen and they said it was my fault and I had to pay it...so I paid it. Just to let you know they did a investigation and the guy who stole it admitted to it and Discover even told me that. But they just continued to give me b.s . One agent even told me they didn't want to pay fraud claim so I ended up paying it to keep my good credit. PLEASE do business with another bank that is looking out for you. I promise you discover does not. There are plenty of banks that give good service and are for the customer, DISCOVER IS AWFUL. TERRIBLE CUSTOMER SERVICE. AND YES I WOULD RATE THEM A ZERO IF I COULD.

Discover doesn't care about its customers!! Do not support this company! I have/had been a loyal and paying Discover customer for over 18 years, and they just, in my opinion, backstabbed me. In these COVID times, instead of asking for assistance, I actually made a large payment to help increase my credit score. Discover then turns around and reduces my limit by almost the exact amount of my payment, and negates any positive effect on my credit report!! In these times, companies should be helping their customers not hurting them!! My credit union actually increased my limit because of Covid in case I needed extra funds, that's the type of customer service we should reward!! DO NOT SUPPORT DISCOVER!

I had several fraudulent bank and credit card accounts open here. I have been struggling for many years and was recovering from ID fraud. I discovered that this bank likes to hold the victims responsible. I had to hire a legal team and Citi IDENTITY Theft services helped get my life on track. I was really victimized by this bank and the Customer Protection Services are filled with horrible people. They are all rude and took the fraud report seriously because Citi and law enforcement were involved.

I had a perfect payment history with Discover for many years. They cancelled my account with no notice for “inactivity.” No email, no letter, no phone call to give me notice of the policy. And the policy is not standard; they told me they might cancel after a month of no charges or a year. It’s different for everyone and is not defined. I thought it was a horrible thing to do. No notice and the reps I spoke to didn’t care. Perfect history. And cancelled without any courtesy. Horrible company. And I’ve heard rumors of racist motivation based on zip codes in many of their practices. Would never recommend this company to anyone.

Discover refuses to raise my credit limit so that I can improve my score after 2 years. I've also begun traveling more, so I tried to use a link provided on the website to switch. They won't allow me to switch for some reason. My brother who makes half the income has the same card and double the credit line. Evidently all I need to do is quit working for 10 years like he did and apply after my 2nd year back in the workforce. I was so mad that I paid in full, froze my card, and removed myself from paperless communication. The last thing I need is them to have my dormant account hacked and email compromised. Discover IT is dead to me. I'm just sad that I need to leave the account open at all not to harm my credit.

I would HIGHLY avoid using Discover Card Services. I had an account with them for over 9 years. I was NEVER ONCE late on a single payment. I'd use the card occasionally and even carried a balance for some time. As of the last couple of years, I kept the card balance at $0 and hadn't used the card much. I received an email a few months ago from Discover, informing me that as of the date of the email, my account had been closed, due to inactivity. I phoned Discover to "discover" why?

I have been a Discover Credit Card member for over 20 years. I was looking into money transfers when I realized I did not have enough on my current line so I opened another one only to find out I would have to wait at least 6 months to add the new credit card line to my existing one. After a few months I decided to take advantage of a transfer offer. I spoke to a rep on Thursday and made the transfer.

I was looking into getting my first credit card as a college student. After looking around discover seemed to be a good option after about 6 months, I wish I would have done more research. There are always some sort of fees that pop up. Some of the benefits are good but they aren’t very good with issues I have incurred, I recently had a package I had ordered yet I never received it. I tried to get the money back for it and I was told I have no evidence of not having received the item so I must still pay the $50 charge. I don’t know what kind of proof I was suppose to have if I didn’t receive something but okay. If you are looking for a first credit card I’d recommend really doing your research it’s good in the beginning but later on is really questionable.

I have a good credit score and awesome payment history but was denied. Don’t bother applying even if you fall in the criteria because you might not get approved anyway and that was a hard pull on your credit.

WARNING- DO NOT EVER GET A DISCOVER CREDIT CARD!!! I've had my Credit Card for over 2 years, paid on time every month with an almost 0 balance. My primary use is for gas and traveling. However, I go to use my card for gas it declined. So, I called them and they want me to verify my account through the IRS. Discover stated that they verify/review your account through the IRS. So then they tell me, "Well I can expedite your hold if you send in 3 months of bank statements." SO THIS REALLY PISSED ME OFF. So, I'm looking into the legality of this because I can almost guarantee that it does not state they verify your account through the IRS. I don't need a credit card deep in my business like this, PERIOD. So this message is to all my FB friends and family, don't get a Discover, cause you will DISCOVER how they will piss you off!!!!

Discover told me to just do the credit card charge that I had with another company because they weren’t giving me my refund. Two years later I’m trying to buy a home and now my credit is ruined because of the dispute. They never told me that would happen. Thanks to them, I'm stuck paying more out of my own pocket after listening to their customer service. I will tread carefully with this company as they will give you advice that can sabotage your life later on. I would personally choose another company that allows you better benefits.

The rewards might be okay, but if you're looking for a card that will protect you from shady merchants, you're probably better off to keep looking. I ordered leather cowboys boots from a merchant online, but the boots I received looked nothing like those that were pictured in the ad. They looked like plastic, with cheap little buckles and zippers up the side for crying out loud! It was very clear they were a copy, but they weren't even a good copy!

Updated on 02/16/2021: Now, they have topped the last review, as they have charged my Mom's Discover card again, that Discover would not let me cancel even after sending my POA to them. Mom passed last year and Discover will not credit the $30 auto renew charge from another unscrupulous vendor that preys on senior citizens. It happened just like I knew it would and Discover will not do a darn thing about it. They offered to deduct the $30 charge from the cash back bonus Mom had coming, in other words, they are going to get paid for an account you can never close. Even after you die it can still go on. User's recommendation: Anyone should steer clear of Discover as they prey on vulnerable adults.

I have been a long term excellent credit holder till Discover reported one delinquent account that was a joint account with my daughter who set up her own account removing my access. Discover did not even send any notifications to my email address regarding the delinquent account even if my email address was on file. Instead, when I called, I was told this is a "domestic issue" between myself and my daughter. According to their customer service, I need to proactively call Discover's customer service to have the account set up so that both of us can see the transactions. I did not have to call customer service to do this with other banks. I could do all this online. With the poor customer service and lack of understanding, my credit score was dropped by 100 points. They are not customer oriented company. I would never go back.

Discover is losing its value. They do not treat the customers equally. I made an international transaction which was declined and I received a call to Verify the transaction, The customer representative that was handling my call was really rude. IT didn’t seem like he cared what I was trying to tell him that I was in need for this transaction to go through because it was an international charge. His tone and behavior was not at all professional so I ended my call and I tried my transaction again which I was told come to find out he put a hold on my account. SO they declined my transaction again. If this is how Discover treats his customer I am canceling my card.

This has been my experience with Discover during the Coronavirus pandemic. I was enrolled into a disaster relief program. I was told I would not have to make any payments on the card, and would not be charged late fees, but would still be charged interest. My card was shut off without any notifications, because there is an outstanding balance. I am unable to buy food as I am writing this. So, Discover disaster relief = don't make any payments, but still be charged interest, and you can't use your card, but we don't tell you about that.

Discover....Discover....Discover.... Wow I thought y’all were better and this. I had a $8,500 credit card limit with them from 2016 until 2019. I always paid on time with them and then I had something come up which put me behind on a couple payments. They closed my account and I signed up for a pay plan with them to make monthly payments. I set up for payments to be automatically withdrawn from my checking account. I have made those monthly payments on time every month.

I received a pre approved offer from Discover. The rates were better than my previous card rates. So I decided to apply and was denied. My Credit score is average about 675. Thanks for the useless hard review. I could really do without another on my report. Just took my score down assigns I'm disgusted.

I purchased a chain from eBay for $900 that arrived damaged and fake. I tried to send it back and eBay and PayPal messed up the claim so I had to go through my card company which was Discover. Long story short they half ** investigated by reading only eBay an the seller noted an tried to hold me responsible for $900 for a fake damaged chain until the seller decided to do the right thing an work things out. The seller should’ve had to think about doing the right thing had discover looked over all of my documents because all was noted even a tracking number that showed that the seller had the item back but discover sent me a message saying the case was dropped and not in my favor. Pretty much saying I’m out of $900 plus the chain that the seller had back. I’m still fighting them about this ** up right now so be very careful when dealing with this company. Card itself is ok but the dispute department all needs to be replaced.

I have had my Discover card for almost 20 years and have recently had it deactivated without notice due to lack of use. I find this highly frustrating and extremely poor judgement on the side of Discover. I will say, that while living in the US, the card is works well however, since moving overseas I am finding it very difficult to use as no one here seems to accept Discover. So I feel as though I'm being penalized because Discover can't get their act together and partner with more services internationally. To summarize, if you only need a card in the US, it works well enough. If you travel internationally, choose another brand.

Recently acquired this card. I have excellent credit. They report that those with 690-850 credit can acquire an interest rate of 11.99-22.99%. I got 20.99 with a credit score of nearly 800. I asked them to lower it since my other cards with higher balances are between 10-15%. They told me they would not lower it since "you are at the lowest rate for your account type". If they won't support me and back the decades of keeping a great score then I will give my business to companies that care about me as a customer. Discover card is clearly not interested in earning my business. As such they will not earn revenue from me.

I'm only giving these guys one-star because I don't have the ability to do 0 stars. After being a loyal Discover credit card holder for the last five years, having never missed a single payment, and having paid my card off in full on numerous occasions. I received a secured message from them today notifying me that my credit line was chopped by 1/3. What is so shameful is that it was made under the guise of my debt to credit ratio when in fact it had absolutely nothing to do with that. How do I know? I find it ironic that the day they chopped the credit line I read a news story on Yahoo about the company reining in credit lines because of fear of nonpayment. And how has my loyalty been rewarded? It's been rewarded by the company lying to me about the reason for chopping my credit line instead of telling me the truth.

I notified Discover that I did not receive an item I purchased. Let me say this first I have never missed a payment and used discover for years and never ever put in a dispute. They say they will not credit my account due to some record they have from the company from China.... I repeat I NEVER RECEIVED MY ITEM . With that being said the next time I reach for my credit card to pay for something it WILL NOT be Discover. I would close the account but it will make my credit score drop.

The Discover card will always ask if you would like cash back during a sale. If you accidentally or intentionally hit any button other than no, this will be considered a cash advance and all charges on your account will begin accruing interest, a lot of interest. Cash advance rates are very high. The interest on your account will be skyrocketing, beginning the second you hit that button. This is a bank scam that the bank would like you to believe is for your convenience. If it was for my convenience it would be possible for me to turn it on, if I choose to.