Discover Reviews

This is the worst card you can possibly get as an individual with built credit. It offers little to no benefits and is absolute garbage. If you do a balance transfer for a one year zero interest rate payoff, they still charge you interest. If you pay early, you can still incur a late fee. Yes, this is the worst card on the market outside of the Apple Card. Trash. Go with Amex... never waste your time with Discover. Absolute trash. Awful experience.

To be fair to the agent, I could just be stupid and need more things explained since this is my first year opening credit accounts (although I have a pretty good existing credit score at 740, thanks mom!) and I'm ultimately new to this. But it really shouldn't be this hard to get answers even if I need more information than a seasoned credit account holder. I am currently trying to switch from Capital One over to Discover it due to better benefits and the intro 0% APR. Chatted with a guy on their live online chat for 30 mins or more, with it going absolutely nowhere. After 30-45 mins I sort of (?) got my answer on why I was having errors and ultimately was denied. I kept getting an error screen about not being able to retrieve my bank account log so I started a support chat. Initially he said it was the name on my bank info not matching up, which I verified 3 times with him.

I had multiple fraudulent charges and they are making me pay it. They did not believe me that the charges are not mine but there is no way they can prove its mine because I DID NOT DO THEM !! I am still fighting them on this. I have never had this much issue with my other credit cards. I do not recommend ever getting a Discover card after this dispute is over I am defiantly cancelling my card even if it hurts my credit. These people are terrible. The worst credit card company ever

Terrible customer service in terms of dispute. Went back and forth with them about a charge that was supposed to be refunded as Universal told me they would drop the charge and they never did. Kept siding with Universal because they want proof of a refund when Universal said the charge should drop and everything with that agreement was over the phone.

Cancelled my Discover card yesterday. Had card since 1989, but apparently its dispute dept would rather ignore overcharges by Mexico resort instead of helping a loyal customer. It sided with the RIU Resort because I had the audacity of signing the receipt when I got to the resort with my kids and grandchildren. I complained at the resort, but they did nothing. Thought Discover would help me out when I got home as we had no choice but to sign the receipt or else stay on the street. But even though I provided Discover with written proof from RIU of the overcharges, they did nothing and sided with the ripoff resort. Now they no longer have a 34 year loyal card carrier that every month had charges totaling $1500 to $10000. Their loss. The dispute resolution service is worthless, sign the receipt and you have no recourse through Discover whenever a merchant cheats you. BEWARE. Find a credit card that actually will protect you.

This card is crap! Amex fights for your dispute, Discover says, “Sorry, you signed, that’s that”! Under the FCB act it states they are to investigate, Bad services, services not rendered. They don’t care. Don’t make the same mistake as me. Stay FAR away. Go with a free Amex.

Buffoons. Applied for a loan 2 weeks ago. All I get back is invitations to apply again. Buffoons. Absolute moronic institution. You should be investigated and shut down. Buffoons. I am completely stunned that this institution is allowed to continue to exist.

I asked Discover for payment reductions as I was selling my house. We agreed upon a payment reduction that would result in keeping my account activate when I would pay off the entire balance when my house sold. I was compliant and made reduced payments as agreed and paid off the entire balance. When I go to use the card (being a customer since 2009 with a perfect payment history) they said it was suspended and would have to be reviewed to be sure I was in compliance with payments, I said, "I have a zero balance, what do you have to examine!" They insisted it would be a matter of months before they could see if I was staying compliant, even though I cannot use the card!! Ridiculous!!

I ordered a service on March 22, 2023 from NETWKCARE, which is a cloud-based firewall. I validly ordered it and paid $400. The service was not received, or shipped, or given after I purchased it. I opened a dispute. Attempted on 3 to 4 occasions, in May of 2023, to contact the company. No reply, the items was never delivered. I opened a dispute, gave all the documentation to Discover. Initially they credited my account, and then reversed it and put it back on my account because the merchant said they "delivered it." I never received it. Discover then recharged my credit card and said, "there's nothing more we can do."

First time having a Discover card. Hubs put down a deposit on a time share membership while on vacation in another country. The deposit is fully refundable if we decide not to continue and we have an official signed letter to that effect. After unsuccessful calls to the resort to cancel, we started a dispute with Discover. I uploaded all docs online, they credited back monies, and investigation started. 2 months later we find that they found in favor of the resort and "didn't get the refund letter I uploaded". I tried to upload again but their system did not work. They would not accept email, only fax or snail mail. I do not have fax because who does anymore, so I sent it via mail.

I requested to file a dispute charge on my account, however customer service was extremely poor. I filed to open a case through BBB and CFPB, Ryan from the executive of customer advocacy did nothing to solve my dispute. My next step would be filing a legal action against Discover which will go through small claims court.

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

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

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

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

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

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

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

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

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

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

Ugh. Discover processed a balance transfer that has not been received by the other credit card despite it being over 10 days. The customer service is absolutely worthless. Once I take advantage of the 18 months interest free - since I foolishly paid a 3% balance transfer fee - I will never use this card. Have screenshots of the worthless waste of time trying to get info from customer service. No wonder folks think Discover is a joke of a company! A card not worth having!

Discover Card Offer of 5% in cashback is not true. Read the fine print. You only get 1% on most of your purchases. You have to jump through hoops to get 5% on very few purchases and this is also capped at $75. Discover Card cashback offer is a SCAM! Don't get this card if you want decent cashback for your spending.

This was the best customer service experience I have ever had. This was so good that it actually made me angry at other companies because of how bad they were in comparison. The automated system transferred me to an agent immediately when I asked. I was routed to the correct department immediately and my concerns were addressed smoothly. I am floored and dreading calls to other companies in the future.

Loyal customer, always paid bill in full before due date. Process of moving ex-roommate used my card for junk removal without my permission. Filed report w/ police. Made claim on card. Investigator called and accused me of lying, slammed my character and was so aggressive and rude! Been going back and forth since September 2022! It’s such a small amount I should just pay to have it over BUT I’m fighting it only for the principle of the matter BUT to prove that investigator wrong! Once over I’m closing account and posting to my social media followers.

Was a loyal customer for 15 years. Made a dispute because a restaurant puts food we cannot eat in their seafood bucket, they admit these details are not mentioned in online ordering, and they don’t do refunds. They won the dispute, Discover said there’s nothing they could do. It’s like poisoning our food and getting away with it. So I closed the account not realizing the dispute chargeback was underway, by the time I realized I was slapped with late fees.

I always have the best customer service with Discover. After moving across country I have dealt with multiple dishonest and unethical companies. Discover has helped me recover money from predatory "moving companies," banks, and mobile/internet companies. I always get through to someone and they are always located in the U.S. which is really helpful. Unlike so many other companies, they still seem to value their customers. I really appreciate them and would recommend working with them.

Ok, I applied for a $500 line of credit on a secured line, I was approved, so I added my wife. After weekly payments to pay my card down to zero every week, I decided we needed a larger limit increase. I was approved for the max of $2500 Secured. I choose to do $1000, bumping our credit limit to $1500 total. November 1st my we deposited the $1000.00, it typically can take up to 8 business days to reflect your account. It's November 18th, no limit increase, I've called 11 times and get the same ** run-around story. The people are very friendly, but management and the secured line department supervisors are absolutely worthless.

Been a reliable company in the past but DISCOVER has really let me down and as I been reading reviews after another reviews on this company just keep getting worse. I have been with DISCOVER for years and they simply refuse to give me a well-deserved credit line increase BUT they refuse and always have different criteria for the refusals and mostly don't even apply to my situation as they have a robot or computer decide if YOU are human enough to be responsible instead of hardcore proof such as never late, always on time and responsible pay history and etc.

My credit card account with Discover was closed due to "not being able to verify my identity". Discover says they have sent me numerous attempts to reach out and verify my information. I have checked all my records (and I don't delete emails or voicemails), and nothing from Discover on the dates they said they've contacted me. There is absolutely no legitimate grounds as to why my account should be closed, let alone not even reopened for consumer satisfaction, based on the reason. I will forever remain away from Discover and will never recommend this company to anyone ever again. I will even go as far as to deter anyone I know from using this company again as well. Posting my reviews online, let people see for themselves.

Received an alert that card was being used in August 2022, called Discover to report it wasn't me. They suspended the card immediately and stated that they'd send a new one, after 2-3 weeks later called to report that I didn't receive it and was told it was due to a payment being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my Transunion account, called Transunion, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called Transunion to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone.

I've discovered after 2 months now that my payments I made over the telephone didn't actually get processed? I find my account has been closed and I call them and they tell me that they've sent me late reminders in email and they have not? In fact their automated system is broken and I have the evidence on my phone of proving I called in and paid my bill?! They reported me to the credit bureaus for their own automated error and refuse to take it off so I refuse to pay them.

Worst customer service I have ever dealt with. Also takes an arm and a leg to get a card set up and running. Took 2+ months to get my account verified including having multiple things notarized and mailed before my card was suddenly shut off before I ever even got to use it because of a bank statement not being verified without any notice in advance. Customer service said this could not be undone but I could open a new account and start the 3 month process all over again. Will never use discover again.

I signed up for credit card so I could finance a mountain bike with intro APR. I was approved for a $12000 limit with an instant line of credit through Apple Pay. I had the bike built but the card was declined, I called CS and they said the account was so new they couldn’t help me in anyway, I politely asked for a reference number for our conversation and was promptly hung up on. No big deal, I’ll put it on another credit card and have Discover fix it all in a couple days.

Discover credit card is phony. Stay away from this company. If you dispute a charge they will side with the seller every time even if you didn't get what you paid for. Closed my account. Had a rewards balance of 59 dollars. They told me I would get a check for my rewards. They shipped me a check for one dollar. Called them. They said that's all I had in rewards. Phony bunch of liars. Stay clear.

I was a Discover Card holder for 9 years from 2001-2010 (among many others). My initial credit limit was $9,000.00 with a APR of 18%. As a rule, I always keep my credit balances low and pay the entire balance off every month and I have never missed a payment (with any of my credit cards). Every 2 years I would call customer service to request a lower interest rate and they denied the request every time. In 2006 my credit monitoring service stated that Discover Card was continually running a credit inquiry on 2 of the 3 credit bureaus every 90 days. Discover service rep explained that the inquiries are for periodic account reviews for the purpose of automatic credit limit increases, that I never received. In 2007 I requested a credit limit increase and was instantly approved for an additional $300.00! One $300 credit limit increase in 9 years with stellar credit (820).

I paid for a hotel through Priceline.com that was cancelled by the hotel and resold. Consumer protection law states that if a product is NOT delivered, delivered damaged, or is not as advertised, then the non-refundable clause is not valid and the customer is entitled to a full refund. However, Discover told me that regardless of the amount of proof provided, they support the merchant unless the merchant agrees to refund the customer, which means that their claims of providing consumer protection are false, and they are forcing their customers to pay, though the law says otherwise.

I have been a customer for over 25 years. Raised my interest rate more than any other credit card I own. I don't want to hear it's because of the Fed. None of my other credit cards raised my rates the way you did!!!! Customer service did not care!!!! Do not choose this credit card!!!!

I’ve had a Discover card on and off for over 25 years customer. I had superb credit, as I’m careful only to spend what I can afford to pay off, usually many times within a month. I had to close/reopen a card due to loss and the old card got $20 charge that hit late. I was completely unaware and due to how they permit online accounts I had no real time online access to the old account. I only received one letter in the mail six months later, and quickly paid it, but they reported it delinquent. My credit score has declined by 70 points.

I've been a DISCOVER card holder since _1989_ (33 YEARS!!!), with never a late payment, never a complaint. I have always paid off my card every month. My credit score is exceptional (839). On Jan. 4, 2022, I ordered premium arch-support sneakers from an online vendor. They arrived Feb. 28, the wrong size (3 sizes too big), mislabeled, made of cheap polyvinyl, no arch support whatsoever. The merchant had presented completely fraudulent ads and reviews. Of course by the time they arrived, it was too late to return them according to the Chinese merchant's 10-day return policy.

I have had a Discover card since 2003. I have never had a late payment and usually don't carry a balance. My credit rating until recently was 850. In April, my statements starting going to an old email address that I don't check anymore. After my payment was more than 30 days late and being reported to the credit reporting agencies, Discover called to alert me. I paid the bill immediately and in full. Now I see that that 1 late payment dropped my score to 752. When I called to inquire why no-one called me until after the payment was >30 days late, customer service said they sent a few emails, (to the email address that I clearly wasn't checking), and that there was nothing they could do except send a request up the chain that they consider starting to call customers when payments are late and they are not responding to emails. My wife and I are cancelling our Discover accounts. We won't do business with a company that treats their clients like this.

So we all know things happen, sometimes it is unforeseen. In 2000 I got a divorce and the X walked away without paying anything he was supposed to leaving me to flounder and attempt to take care of everything. Needless to say that didn't happen. I bring this up because it is 2022 and 22 years later I am still being hounded by Discover card. I have paid in thousands of dollars because they get a garnishment. While I understand it was my responsibility to take care of this I had 2 children, was a single mother and one income. No child support and it wasn't possible. 18 years later I am still being harassed by them because they sued me for breach of contact. So beware if something bad happens in your life and you can't pay them they will hound you forever. So when choosing a card please do yourself a favor and think twice. I wish I had never had this card.

I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it.

As a long time user of Discover, 20+ years, I have noticed a notable drop in customer service since last year. I can no longer pay from my online bank as it takes 2-3 weeks for them to post the payments to my account. Also, there is no online method to contact them, have to wait on phone line and their text messaging is only a bot for answers. I am now searching for a replacement for this credit card.

I disputed a transaction regarding an Amazon charge. When I contacted the merchant about the problem unable to assist me because I don't have an amazon account. When I reached Discover, I was unable to help because the merchant showed proof of delivery. However, the merchant delivered the wrong address. I am closing all my DDA and CC accounts with Discover.

They keep sending checks in the mail which get stolen by thieves and cashed. After several calls to them ending in them saying they would reimburse the money, I gave up. I even sent them video of the thief stealing the check from my mailbox. I am now forced to pay the amount stolen and it was not even my fault. I immediately caught the first transaction of $60 and called them. The security dept. did nothing and the next couple days ANOTHER $500 amount from a check was posted. I instantly froze my card after this and called them. They said the same thing that I would be reimbursed but nothing happened. I was however, able to dispute the $500 charge on the website and it was reimbursed. I contacted them five times with no avail. As far as the remaining $60, all I received from the security dept. were lies, saying the money would be reimburse the next day.

I applied because I needed help with my credit, after I was charged I didn’t get an email or anything for 3 weeks, called confirmed address and they said wait 2 more weeks for it to arrive, after it didn’t called again and they had to confirm the address again because it was wrong. Waited to more weeks and the address hadn’t been updated, asked for it to cancel and they don’t refund directly they send a check which takes 7 to 10 days. Felt like a total waste of time and hopefully it only happens to me, never applying for Discover again.

I just opened an account with them, less than a month ago. They froze my account, I have no idea why because you can't get a person on the phone. Their phone system hangs up on you after 3 hours of waiting. I have been on hold with them for over 15 hours and have yet to get a person. The customer service people just say sorry and there is nothing they can do, you have to speak to the fraud department. They refuse to let you speak to a supervisor and I have received 3 different answers on what the hours are for the fraud department. I found a number to call for the Customer Advocacy Group, I called it, in the middle of the day and guess what, I got a message that said no one was available and to leave a message. I just want to close my account and my money back. DO NOT OPEN AN ACCOUNT AT DISCOVER.

I booked a specific location space, and reservation with a residential company. The company booked me in a location I did not ask for. It is now six months later and Discover did not do its due diligence to get the specific information to resolve the situation. They believed what the merchant said and looked at the documentation, which clearly did not validate the location I booked. The merchant was not cooperative and also did not do their due diligence. I did not have time to do their jobs for them. However it was obvious after three attempts with Discover, they were not going to assist me, their customer.

I had a Discover card and I ran in to some financial hardships. I contacted Discover to let them know and asked if I could get a lower monthly amount due. They were beyond rude and basically told me that it was my problem, not theirs. Because of their unwillingness to work with me I ended up going to one of those debt consolidation companies. I gave them all the information about the company I decided to use several times and they refused to acknowledge them and refused to contact them. The more that I tried to give the information to them the nastier they got!!

They just closed my account for inactivity. They affected my credit score. And they never notified me. This is a horrible company. Get any other kind of card. Not helpful to contact them. Actually useless and a waste of time.

If you prefer to get great rewards and not have your account constantly locked, skip this card and choose Amex or CapitalOne. You won't regret it. I definitely regret giving this company access to my information and having ongoing problems utilizing the credit. Amex is so much easier. Don't settle.

Applied for a, Discover credit, after they sent me the card they needed identity verification, okay, I sent out all the documents they needed by the 4/25/22, they sent me an email to contact them asking me to resend the document 4/27/22. I received an email 5/4/22 asking me to contact Discover again. They need me to resend the bank statements for three months which I’ve submitted several times. I finally told them to cancel the card, I don’t need the runaround, the worst credit card company I’ve ever dealt with.

I recently had a dispute with the Discover card team. The merchant did not deliver the service that I paid for and refused to issue a direct refund. So, I raised the dispute with Discover (the card I used to pay for the service!) I got a temporary credit when I raised the dispute. After 12 weeks, I was so surprised to find the Discover dispute team mentioning: "we found out that the transaction has been found to be valid!" Seriously Discover dispute team?!!! What about the service that I was not provided for the valid transaction I paid for?! I called the dispute team and chatted with them several times. The last supervisor mentioned to me: sorry, the merchant has responded to us and informed us that the transaction was valid and asked me to seek the dispute outside Discover!!!

When I retired, I made the mistake of closing all my credit accounts. Also, I paid off my home so I had no mortgage. The bottom line was, in a few years my credit was gone. Since I saw my income was better than I thought and my payments less than I had anticipated, I needed an item that required credit. But, I had no credit. So, I had to start over. I knew I'd likely have to get a secured card to start with and pay it off monthly.

I applied for a Discover it Chrome card and was approved. I received the card and activated it with no issues. A few short days later I receive notice that my card was temporarily on hold pending verification of my identity. I had to sign some forms to do so. I have been waiting almost 3 weeks with no word. Calling the security department is pointless as I get the same rehearsed speech. I could have spent the entire limit the first few days after activation then they verify? Most backwards procedure ever. My advice stay far away from Discover. Soon as I get this verification cleared I am cancelling the account without ever using it.

Got a new 'miles' card so as to take an overseas flight to Tel Aviv for my grandson's Bar Mitzvah. Have been a customer for over 3 years. And have a credit limit of over $17,000. My FICO score is 799. Discover would not increase the miles card by $1000. to help facilitate our trip. All the phone reps were or so sad that Discover wouldn't increase, but no one was available to override the policy & procedure. FICO SCORE = 799... Other Discover card has a credit limit of $17,100 of which over $15,000 was currently available. I have cancelled both cards immediately and will never, repeat never apply for or accept another Discover card as long as I live. Even the people who answered to phones could not believe it.

I applied for a Discover card on the 20th of March and they approved me and now here it is March 31 and still no credit card. Nothing in my mailbox or anything sent to me saying they sent out my card. I had to cancel that one and order a new card. I was lied to about the new card being in by the next business day. So I would not advise letting Discover pull a credit report on anyone who has perfect credit because you’ll never receive your card.

I got approved for my Discover card a little over a year ago. In February I got a phone call stating I needed to fill out a form for SSA to verify my identity. Why didn't you verify my identity when I applied? Because of me neglecting to do something the company should have done before approval they have now froze my account. I just got the email this morning that they are freezing my account even though they did freeze my card almost a month ago. Screwing me out of the 18 months 0% APR. This is really shady behavior. A big named company like Discover should be verifying people's identity before approving any credit limits. My 18 months would have been up this September. I always paid at least my minimum balance off every month and this is how you treat your customers? You call them with a shady request. Asking for us to print the form out fill it in then take a picture of it to submit.

I have been a member since 2009 (almost 15 years) and kept a balance on the account the entire time until I paid it off about 8 months ago. I always paid on time and never defaulted on the loan. I just received a letter in the mail stating they are canceling the account due to inactivity. I called customer service to see if it was a mistake. No, it was not. They did not care that I was trying to pay down the large balance I accrued during this difficult time of COVID, they only cared that I had not racked up additional charges while trying to pay it off! I even escalated the call to a manager named Robert out of the Utah office and he confirmed. I'll NEVER refer anyone to Discover Credit Card unless they are an enemy!

Been with Discover Card since 2007. In December 2021, Google Play charged my card $84.68 for an Epoch Times android app subscription. I did not make that charge. I provided Discover Card numerous forms of documentation from the Epoch Times proving I did not have an subscription, that I did not own an android, and that Google showed no such subscription under my account. Apparently, Google Play collected money from my Discover Card and pocketed it for themselves.

I have had a Discover card since 2014 (8 yrs) and never carried a balance. Always paid on time. I applied for a different Discover card and was approved for $1000 credit line. Asked to have it increased but denied. Asked to have the credit lines combined (they do it but denied it). They make absolutely no sense. I wanted an increased line of credit which they could take from the other card I have and still can't seem to help. They keep citing the new card is a new account even though I have been with them for 8 yrs already. Thanks, but I will do business with a company that wants to make the purchasing fees with no risk of not being paid in full.

I have always paid my account on time and been a good customer since 2017. They lowered my limit in 2019 and I took that in stride, then they raised my limit in 2020. Last week I received an email stating that they were closing my account because they wanted access to my tax returns. That is a blatant violation of my privacy! They have no right to my tax information at all, I pay my bill on time every month! SCREW Discover and their communist **! This is how they treat disabled Veterans?! I urge all VETERANS to close their accounts and send a clear message to discover. WE DON'T NEED THEM. THEY NEED US as CUSTOMERS. I hope they feel the pain of losing customers!

Less than 10% used credit debt and gave me 800 dollars if I spend 500 dollars in shoes and a good jacket 500 dollars I will used 40% of my credit so my score will go down, yesterday I almost buy a laugagge set for 700 dolars plus tax. My debt goes almost to 90% again. My credit score 40 point less, FBNO or bank of America gave me 20k both cards 0 balance , something wrong with the automated qualifications because I don't believe the underwriter gave me 800 dollars, what's goin on?

I had began paying off a bunch of my debts. Long story short, I paid off my ENTIRE $10,000 balance of my discover card. Not even a month later, they lowered my limit by 80%!!!! This has put me into extraordinary finance distress and nearly another hospital visit for mental reasons. I called Discover about solutions and the first rep I spoke to was completely ignorant and soulless. He was of no help and just constant bad news with no light at the end of the tunnel. I spoke to another rep about possibly closing the card.

The card has been fine and customer service has been good to work with, but Discover has one huge issue—their payments/available credit takes FOREVER to update. With my other cards when I make a payment it adjusts my available credit immediately; with Discover it can take up to eight days. There’s been times where the payment has posted to my bank account and I was still left without available credit. To quicken the process you have to call and have them call your bank to verify funds so it’s a huge unnecessary inconvenience. This may be a deal breaker for me.

I used to be able to recommend Discover until I had 2 incorrect magazine charges on my account for $37 and $40. I called Discover to dispute them and they reversed them. They then talked to the magazine company and put them back on my account. I sent Discover proof of cancelation from the magazine company and the information they sent back to me even showed I was owed a credit on the second page and they missed it. They just got stuck on the initial response the from magazine that I owed it when I didn't. I even called them. Never accepted my proof of cancelation they requested (sent 3 times). Also told me I would have a ding on my credit for reporting a dispute. This was over $77 dollars. I just paid for two magazines I won't get. They are only about protecting the Merchant.

Card is great - good rewards. I would use another card for major transactions that might result in a dispute process. Other credit card companies protect the customer, Discover goes out of their way to protect the seller, no matter what kind of crap they sell....

I have not used my Discover Card for many years since it stopped working with BofA's Bill Pay. Even though, the card recently billed me twice for the total of just under $20. Perhaps, I left a little bit of money unpaid and they turn it into $20 using some usurious interest rates. Yesterday I decided to check if anything changed vis-a-vis BofA and was pleased to discover that the card worked with BofA's Bill Pay. Today I tried to use the card at a grocery store. The card was rejected. I came home and cut the card in half. As far as I am concerned, Discover Card can **.

I don't recommend Discover at all. I have been a faithful customer for 3 years, never missed a payment. I went to apply for another Discover card and was denied. I called to ask why and was told nothing they could do to help. If you want to be treated like a good, faithful customer don't use Discover. I will use them again.

I had a Discover card since 2006. Never had any problems with them and would occasionally use my card, but found less places that took them recently. Logged into my account to find my account had been closed due to inactivity. I was told they mailed me a letter, but I never received anything. The amount of spam they regularly send (even though I unsubscribed) had me filtering all their emails out of my inbox. I exclusively use the Discover website to check everything, pay my bills etc. There was never anything through this main portal to let me know about any pending closure.

I am a student. I applied for the student CC and got approved. I used it and made payments on time. A couple of days after making my first payment my card declined. I called Discover and was told “sorry we forgot to send an email to you requiring you to send verification that you are who you say you are.” I had trouble getting a physical social security card (I haven’t had mine since I was a teenager) because of COVID and appointment times. I told them I could submit my passport or use another method like completing something similar to the system the IRS uses. Discover said there was nothing they could do and closed my account.

I ordered a couch online from a questionable website and it was delivered without the feet, which I was assured were in the package. Nope. I tried to contact the company through the only means provided-chat message online. I messaged over and over and no response whatsoever. I disputed the charge, and Discover decided in my favor.

I disputed two separate purchases and was issued credits on my Discover card...6 months later they reversed the credits and charged me. Discover gives merchants 6 MONTHS to decide what they want to do...and then they side with the merchants. They advertise you are covered for unauthorized charges...and one of my disputes was an unauthorized charge from Amazon. After many years with Discover, I cancelled my card.

I've been a Discover Card member for just over 5 years (September 2016), and up until today my experiences have been good. Earlier this year I paid off a revolving debt with them... basically I got my balance down to $0. You would think that this is good... well it is, sorta. I'm currently working on paying down some other credit card debts on cards that have been canceled. So I forgot about my Discover Card having a zero balance with an available credit line of $2000. At 9:05pm (after business hours) I received an email stating that my account would be closed. They listed 3 possible causes and then gave a number to call.

"Unsubscribe" means nothing to Discover. Got my first Discover card a few months ago and the Spam started right away despite me making sure NOT to check the box to receive promotional emails. I unsubscribed at least 8-10 times and even spoke to customer service who ensured me the annoying emails would stop. They haven't. This should be against the law like soliciting someone after they have clearly said to put them on the Do Not Call list. Discover has no respect for its customers. I will close my account and just use the other cards I have.

I recently received a pre-approved offer from Discover which I acted on. I was approved immediately and informed via email a credit card would be forthcoming in the mail in 3-5 business days. A week later, The day before I was to receive the card I got a spam email from Discover of which I did not open. I called Discover to inquire if this was a valid email. They confirmed it was and that I had to submit tax returns in order to complete the process.

Denied 9 times in 3 years for Credit limit increase while I went from $9000 to $25000 with Navy Federal, $2000 to $13500 with Citi, $3000 to 15000 with Chase and unlimited with Amex. Never went over 5% using of all my credit cards. My credit score is perfect, I’m sick tired of Discover, I’m closing all my accounts.

I have been their customer for over 7 years. Recently they decline my transactions for unknown reasons. When I talked to a rude agent (Joe) on 11-14-21 he wasn’t able to take care of my issues. He just threatened me to close my credit card in next 10 days. Out of all credit cards that I have been worked Discover is the worst. Their customer service is not satisfactory at all. I regret working with this company. Terrible credit card company and have the worst customer service.

Called for assistance about skipping a payment due to Covid, was currently out of work. They said they couldn't help me but wanted a payment ASAP which I didn't have. I will be paying off my card and switching to a different company.

They closed the account after a year and half because they did not get a response from the IRS. The form was filled out 4 times. They are no help and a sorry company. The ATG and BBB along with all the credit reporting companies have been notified and charges will be filed against them. Stay away from them. They are sorry and should not be in business.

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.

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.

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!

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.

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.