Discover Reviews

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.

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.

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.

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!

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.

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.

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.

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 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 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 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 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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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 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 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 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.

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.

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'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.

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.

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 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 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.

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.

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 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.

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 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 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.

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.

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.

I never missed a payment and paid off my balance several times. I currently had a zero balance, but they cancelled my card because I had not used it in a while. They did not communicate at all and after sending me continuous letters in the mail to get a home equity line (over and over and over again), I find it rather disappointing that they could not send a letter to let me know that I had not used my card and that they might close my account if I did not use it. I called to converse with a representative from Discover and it was one of the most unpleasant individuals I have ever dealt with over the phone.

I am writing this to explain what it's like to do all your banking through a credit card company. I had 4 accounts with Discover - personal credit card, business credit card, savings account and checking/debit account. What I learned is that these 4 accounts are all dealt with separately and do not communicate with each other. I had been a loyal Discover member for many years and had high credit (700's). I changed how I paid my business discover card and because of a weird series of events missed two minimum payments. They never called me, they sent me 1 email which got lost in the dozens of emails I get daily from them and did not send anything by mail. They did not move money from my savings to my business credit card like any other bank would have done. Nothing.

I do Not recommend those company or card at all! I have had my account for a year as of this month. When I opened my account I was informed that in 8 months I would get my deposit back. I still don’t have it! I was not told that I had to do Anything else But keep my account in good standing, and I Have! My account has stayed on tip top shape! Now I just keep getting the run around! I am fed up with this company! Now I am being informed that the only way to get my money back is to close my account. And they didn’t even Try to keep me as a customer! This is A nasty company! Think before you do it! I have Nothing nice to say! And I could say much more but I am tired! Just Don’t do it! I would give them 0 stars if I could!

My husband owned a Discover card and always paid off his balance monthly. Called in to report his death in March, they stated if his balance 223.00 isnt paid they'll go after his assets.. How pathetic can a company be.. Think twice before you apply with this company.

Discover Card. They will jack the interest up to astronomical levels for being one month late and not negotiate. This is greed to the next level. Beware. This is not a good card to go with. Chase is much better to work with during these tough times.

Worst CC ever.. Well folks read thru the reviews with one star and then subtract one star. I had a $16K credit line. I paid off $4500 and the next week they lowered my credit line $4500. Not a company you can trust!! Paying them 24% and they screw me and betray my trust! Called them and spoke to several idiots only to waste my time! So I paid off my Balance...** them if they can't take a Joke!! Now they get 0% interest and a Hope they go out of business! Discover is Just another cult Company!

I been with Discover for about 2 years. Credit limit was around about 9000. Always paid on time. Discover sent me a consolidation Loan request and the interest rate was good so I applied for a 4000 loan and consolidated a couple of credit cards. A week later I get a email my account is froze unless I sign a 4506-T form with the IRS. I explain to them I was retired and haven't paid taxes. I was told by Discover it was only to verify my address. After signing it the IRS responded they couldn't verify my address being I HAVE NOT FILED TAXES. I BEEN RETIRED FOR 10 years. So in a nutshell Discover closed my account because of my retirement income which violate ECOA. I told them it's a lot of ways to verify an address even using the social security administration.

I’m a prior Discover customer. I just received the first garnishment for a $10k credit card balance due to non payment after being out of work for 4 months. Now back to work and trying to catch up, Discover is taking $1200+ a month or 15% of my salary. During the pandemic. I was someone who was virtually in the edge of foreclosure, Thanks Discover, you’ve made certain to seal that fate.

I had to file a dispute with Discover that was over 6 months old. I never received a wedding package that I paid for and it turns out that the company just closed. I followed up with the company and never heard a response so I thought I would call to see if I can dispute the charges. Discover was so helpful and empathetic to my situation. I was pretty emotional and they took care of my request. They reversed the charges. I’m so grateful for their assistance. I would much rather have the wedding package but since my odds are against me, I’m glad they were able to alleviate the financial burden of paying for something that I never received. Amazing experience with Discover!

I had a Discover Card for 3 years. Always paid on time and even paying off the balance a few times. Then out of the blue I get an email that I am over my credit limit. It turns out they lowered my credit limit for some reason which caused me to be $200 over my new limit. They did notify me that it was lowered several days later and after it was over the new lower limit. I tried reaching out to their customer service first via chat. After getting no response for 15 min that way I tried calling only to be put on hold for almost 20 min before finally hanging up. I have shelved the card and will pay it off once and for all and want nothing to do with Discover Card after this.

The customer service was excellent; it is 100% US based. Good communication throughout. We were on vacation when loan was due to close; they found a local Notary to complete the closing, and it all went very smoothly.

My husband and I have been loyal customers for 3 years and never had an issue with paying our bills on time because we had automatic payments set up. January of 2020 Discover decided to not take out the payment we realized in February 2020, we called and was ensured that the manager had fixed the problem. Fast forward to March 2020 and nothing has been fixed. In fact Discover reported to Equifax for miss payment which has dropped my husband's score 63 points. So we decided to pay off the entire debt February 2020 but discover have yet to report the pay off. #unsatisfiedcustomers #donewithdiscover

I have been a loyal Discover card holder since 1997. On the January, 2020 statement I double paid $5,380.00. As soon as I realized my mistake during the first week of February, I contacted customer service and requested a refund. Unfortunately I have had nothing but a terrible experience ever since. I have been calling multiple times with no satisfactory results to my problem. The information I am receiving from different account managers is contradictory and confusing. Each time I call I get a different story. "The check was already mailed", "we are sorry it wasn't mailed yet", "it was definitely mailed", "you might receive it any day", etc, etc.. I have spoken to supervisors and to the billing department. I spoke to another account manager who told me that the check was mailed on March 3, 2020. This the same check that was supposedly mailed weeks ago. This situation makes me rethink if I really want to be a discover card customer at all.

I called them to figure out my mom’s credit card dispute. They were very unprofessional. They transferred me to the wrong department and made me repeat myself so many times, and when I said that I had already explained, the customer service representative was very rude. I do not recommend that you ever open an account with them. Chase, Capital One and of course American Express are the best. The experience with Discover has been very mediocre.

I could NOT believe it, Discover CC, whom I have had for 3 years, whom I paid off 1 time and also ALWAYS paid my card on TIME, said that I was CANCELLED, because I went over my account and I didn't really do that, because they actually took off a $1000 from my account, which I have NEVER had any credit card do and also they should have WARNED me that they were going to do that BEFORE I got canceled, but they didn't they just said I went over and they canceled my card, I was in total SHOCK, so they will reap what they sow.

I asked for a line of credit increase and was privately sent a response based upon my review with my experience. My FICO score was low when I started and increased over time. I received an increase after 6 months to 1 year of $50. Paid on time and never skipped a payment, my credit score increased since enrolling and was given an unsecured card after 1 year. Privately (Discover inbox) I was told... "chances of getting an increase is slim to none" after giving my honest opinion about this consumer.

Discover card is a great credit card but it has been two years since they said they will call me for more information. I waited two years so, at that time, I going to give up on a credit card from discover and look for a better credit card. I tried calling customer service during the past two years and telling me the same thing that they sent my discover card and has arrived. The mailing is correct because I get my orders from amazon to my doorstep when I get home. So why is it so hard for them to send me a credit card? It felt like they don't care about their customers and only want to take your money and leave you in the dust which has been two years for me even though they said that I have an account all a sudden when I don't even have the credit card in hand. What a waste of my time if they keep sending me emails when I don't even have a card.

Opened card 2 years ago, was using heavily, never missed a payment on neither of my cards. One day account suspended, requested many papers including 4056 IRS form. I'm not willing to share my taxes with a credit card that's 100%, they closed an account. Will never ever apply again for this card. Worthless.

I was Discover credit card client for quite a long time. Less than a year ago the balance on the card was 0. I just decided to use other cards for a while. They closed my account before the end of the year with no courtesy call to even check if I still need the card or want to be their client. After noticing the card doesn't work, I called them to see what happened. They told me to reapply for a new card. Their TV ads really do not reflect their actual customer service. Now I see it is actually no wonder most merchants do not even accept it.