Discover Reviews

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.

Had a credit dispute with Discover over a charge with LA Savers. Item was cancelled before being sent. Cancelled item thru the website and Discover. Discover credited me and then a month later they say call the vendor. Vendor does not reply. Discover too bad you lost your money.

These frauds are despicable. They have the audacity to not even respond to BBB complaints instead they send a bogus letter and that's the end of it.. They are trying to deter from seeing all the complaints they have online.... Frauds and thieves charging me double interest for over 5 years! Reported to FDIC.

I opened my account January 19, 2020. On February 12, 2020 I log into my online account that states account suspended. I called customer service and the representative stated they need to verify me and ensure I am who I say I am. I stated so this verification couldn’t be done when I applied? You guys wait until I have used the card and made payments on a daily basis now, especially since the cashback program is amazing. She said, "Yes. Unfortunately this is the company's process." It’s completely unfair because I googled their process and so many people accounts have been closed once they are taken through this step.

I could not be any happier. out of all my 13 accounts discover is my favorite. They have helped me in many ways. don't understand the people that complain. They are one of a kind I thank them. I don't care about APR as I pay my bill in full every month.

Initiated a transfer which was declined by Customer Service team, reason for that is Security team declined it. Security team says I haven’t Authorized it. I went to my bank and initiated a transfer. And they said they did call me, which I never got. Balance Transfer team says we cannot reinitiate or say that the transaction will be approved again.! Is this really how a Bank works?? Take some responsibility guys. Work as an Organization.

This company completely ignored my review and my concern. We are still with Discover Card as one of our credit card companies, but if I feel the customer service agent does not know what they are doing, I ask to speak to a manager now and get it handled properly right from the start.

I paid my Discover card in full last year and this year without any warning they sent me an email stating that they have reduced my credit from $10,500 to $500 for "inactivity, delinquencies", etc.. and will be closing my acct in 30 days. I have been a member since 1991 and this is how I'm treated? Now, my credit is ruined and there is no recourse. Customer service didn't care one bit when I called to close my account. Poor business practices all around.... Stay clear of this pathetic credit card company!!!!

Discover has a unique way of handling credit decreases. My credit line was cut in half after paying 70% of my bill. I called and was read a letter (not yet received by Discover) as to why my credit line was decreased). It didn't make much sense to me seeing a loan was taken to pay off most of my credit cards balances. Essentially, I did not have any MORE debt. I had the SAME amount of debt but all bundled into one payment. Typically, your credit score will go up. Discover punished me by cutting my credit line in half, now making my balance almost 100% of what I owed. Thank you for that, Discover.

It's very simple. I was rejected for a credit line increase with Discover after maintaining my relationship with them for more than five years. I have Never Ever been late with a credit card payment for them or any of my credit cards. All of my credit reports confirm that. Discover claims that Transunion sent a credit summary stating that I had "collections or derogatory" items on my report. I have Never missed a payment on Anything! I contacted Transunion and they vehemently denied that they did this. I have a copy of their credit report in my hands as I am typing this. The customer service rep at Discover said that they are Never wrong and they cannot make those type of mistakes. She said no one would contact Transunion on my behalf to rectify and confirm this and that even if I sent them my credit report from Transunion it wouldn't make a difference. The Discover team is hurting people. Don't deal with these people!!!

To begin, I'm a National Service Member with AmeriCorps VISTA and we serve on the very same platform as the US Military. For more information on this, please visit the National Commission on Military-National and Public Service. After I informed them that we live on a stipend three times below the Federal Poverty Threshold, I was told that the they had a program to help Service Members pay back their balance.

I have had this card for over a year. I have never missed a payment, never maxed out the card and always paid over the minimum. This goes for all of my credit cards. In fact, over the summer they gave me a credit line increase. Now come January I just received a letter reducing my credit limit. By reducing my credit limit it has increased my credit utilization and negatively impacted my credit score. I have other cards, including Capital One, Chase, American Express and they have never done this. Again, I never missed a payment on any credit account and I always pay more than the minimum. This practice is ridiculous and will now affect my credit rating. Once the card is paid off I’ll never use this card again. Everyone beware. All the effort I've been making to improve my credit score just went out the window thanks to Discover's unilateral decision.

So I have never missed a payment, never maxed out the card and always paid over the minimum. This goes for all of my credit cards. Twice in the past year my credit limit has been decreased each time I made a substantial purchase on another, non-Discover credit card (the first purchase was for $600 and the most recent was a car repair for $840). By reducing my credit limit it has increased my credit utilization and negatively impacted my credit score. I have other cards, including Capital One and they have never done this. Again, having never missed a payment on any credit account and always paying more than the minimum, this is despicable. Once the card is paid off I’ll never be using anything issued by Discover ever again, and I’m going to tell as many people as possible about my experience.

I used Discover to buy a $400 meal plan from Nutrisystem. Frozen food arrived 10 days late, all melted and rotting. Nutrisystem did not seem eager to refund my funds so I called Discover to dispute the charge with full details and photos. After sitting on it for 2 months Discover said they found in favor of the merchant and money will not be refunded. All cards out there are protecting clients from bad e-commerce stunts. Discover does not. I cancelled the card today and I recommend readers to be very careful with this card.

I have been a long time card owner 17+ years. Because I didn't use the card they closed it. I let them know they were the very first credit card, right out of high school and my longest trade line that I in no way wanted to close it. They refused to reopen. She'd offered for me to apply for a new one. I let them know that would defeat the purpose of reinstating my account. It's no wonder I am one of many bad reviews they've received. I work at a financial institution and my word of mouth matters. It's apparent that no matter how loyal you are, Discover is a company I no longer respect and want no part of.

With the service I have now I get multiple and often late alerts. They do seem to offer more than other services though to be fair.

They just close my account for no reason stated I didn’t use the card, I did explain to them that I have family tragedy my Mom was killed and I just had surgery, I’m on disability. I’ve been with Discover for 8 years and representative said, "Yes I understand but we closed your account." Absolutely unbelievable how they treat their customers.

Long time user of Discover, in general they provide a great product and service. However, in general they've made unnecessary hurdles for the application process and recently they froze my account and requested me submit an SSA-89 form, social security card scan and driver's license scan. First of all, I've never heard of such overkill verification before, but nonetheless I obliged even though their submission portal was down to I had to re-scan my documents so I could fax them instead. Their upload portal is strange, they don't accept pdf and require you to upload jpg or png files. So after doing all that it's been almost a week now and they still haven't unfrozen my account.

Six months ago, I became unemployed for only a few weeks. Since I had NEVER missed a credit card payment with Discover, I decided to call in to see if they had a program that would assist me through my unemployed process. The representative "recommended" the unemployment program that allows them to charge you just a little "interest" each month and you must also agree to pay their set amount towards your credit card bill each month. Also, you have to agree that your account would be suspended for SIX months with no available credit. This sounded real good, so I agreed so I wouldn't miss a payment and fall behind through my unemployment process.

I applied for Discover card just to boost my credit and since it offers free credit score each month to keep track of your score. I then got into a dispute with a merchant that got my signature on blank signature sheet that was copied and pasted onto payment requests. Discover paid out. I contested on grounds that this was fraud, but Discover said since I gave them my credit card number and signed a blank sheet of paper, I was authorizing them to do anything they wanted.... This same merchant is flagged all over the Internet for pulling scams like this, but Discover pays them and then leaves you with the bill at high interest rates. They side with the merchant, as others have noted -- when the whole point of getting a card is to protect the consumer.

Came upon fraudulent charges made on Discover card. Call and informed Discover of the Fraud, most all were gift cards from a local gas station for $100/card, totaling more than $900. The determination from Discover was that I still owed the money, even after stating that I had never been at that location in my life. I have to pay for the fraudulent charges. Needless to say, I will never use Discover card again. In order to not have to go to court and additionally have my credit rating trashed, I need to pay for the fraudulent charges. I hope to do more damage to discover than the $900 the extracted from me. They basically told me I was lying.

Discover card was introduced in 1985 or 86. I have had my card since 1986. Paid the balance in full always, except when late due to travel or "life". Recently (past 6 or months) I overpaid by $2800. Discover kept the credit which I drew down upon as I used the card. In October I traveled out of country and missed a payment of $285 and change. Forgot to pay one month and my card was declined when I tried to order "take-out". When I called I got the response of "how would you like to clear the balance". "This call is recorded." 33 years, automation, lack of judgement, and a move towards "soviet union culture" of not giving the benefit of doubt and creating zombies. I came to America for what it stood for. Discover is different now. I redeemed my cash back and said goodbye. Unfortunately, it's a time to part with UnAmerican values....at least the ones I was told (and did exist) when I got here in 1982.

I just checked my balance today - I thought I had overpaid my account by about $40, so I was SHOCKED when I logged in to see I owed over $150! I immediately called customer service, and had the pleasure of speaking with Katie in the Salt Lake City office (local to me). The call was after normal business hours (8pm on 12/03/2019). Katie was incredibly kind and patient while I was a little bit panicked. She calmly talked things through with me as we figured out that in setting up my payment options on their site, I had entered the information incorrectly, resulting in the payment being kicked back by my bank. Even though the error was 100% my fault, Katie went above and beyond to help me get it sorted out. I cannot say enough good things about her, and Katie, if you ever see this: Seriously - Thank you!

After being on the phone for over an hour and talking to 5 different people I find out that I should have never set up a payment plan with Discover. The account was suspended and $100 a month payments made. I pay off the account and have a $160 dollar credit. I go to use the card and it declines. I am informed to unsuspend the card they have to monitor my credit for months even though I just paid off the balance in full. Then I had to be transferred to a 5th person to have them cut a check for the $160. DO NOT SUSPEND YOUR ACCOUNT if you are in the situation. So now I have a cars paid off that I can't use anytime soon and it was a pain in the butt to deal with this situation!

Utilized Discover Card dispute dept support against merchant that kept vacation rental money after cancelling vacation and also kept travel insurance money as well. Discover card supported merchant every step of the way, don't be fooled, Discover card stays with the merchant since that is where their profit money is generated. It's a joke to think Discover card is going to support a consumer instead.

Opened a dispute with Discover to fight a poorly managed transaction at a 3rd party hotel booking company. Investigation took over a month for Discover to come back and say they could not do anything since it was written in the hotel booking company's policy that there are no refunds. I was not disclosed half of the amount they were charging me over the phone when I booked. I called the hotel booking company back 10 minutes later to cancel and they would not. Thought Discover would have handled this better for me. Now I am paying hundred of dollars to an ill-reputation-ed hotel company.

In October I called and activated my payment protection due to life hardship. A 2 weeks later contacted about a late payment of $500. After I paid it, I was told I won’t owe till February. Nope, not true.

I called several times to unlock my web portal. They stated they have called and me a voicemail and email. Now, I'm stuck. Unable to make payment. Going to cancel this annoying Discover card for sure. I will put them on my list.

I didn't realize that Discover can just close your account whenever they want to. I would understand if I didn't pay my bills or was even late. I have never even been late on a payment let alone not pay my bills. They said it was due to inactivity, but that can't be true. They cut my credit line from well over $10,000 to $500! Then, I used it before the close date. They said they sent in a letter. I called them before it has even been closed and they refused to keep it open. I am not sure how that can happen. It is probably in the fine print somewhere that I agreed to. There has to be a loophole for them. But, really? Save this for the people that don't pay their bills. Canceling my account affects MY credit. At least leave the small credit line and not cancel it. But, they insisted that there were no options other than canceling.

I don’t use my credit card that often—mostly emergency situations. They can’t reopen a closed account and my only option was to reapply for a card.... meaning a hard inquiry on my credit report. NO THANKS! A card company I used to love, now is on my ** list.

This is a huge complaint against Discover Card for their Failure to RED FLAG a Dispute of 10.40 on a so called Cash withdraw of a CREDIT BALANCE of 123.03 due to a return from my sister to the Bradford Exchange. I had a ZERO balance with them when this credit balance became available. I called our local office and asked the fastest way to get this money to send back to my sister. I was told by them to go to the nearest ATM and withdraw the money and I would be charged a fee of 3.00 by the bank to cover their usage. At no time during this conversation was I told that Discover Card would also charge a Cash Withdraw fee of 10.40 at a 27.47 APR rate.

I chose Discover as a starter credit card for my daughter for emergencies when she travels. About three weeks after having activated the card her, normal use, payments to keep the balance down, the account was frozen. A call is received stating Discover is reviewing her account and would like a Social security form SSA-89 filled out and a copy of her Social Security card. She was locked out of her online access and all calls inquiring about progress are being routed to their Verification Department. They refuse to say why her account is frozen. I accept that fraud is rampant, however I am grateful that my daughter's travel plans outside of the U.S. was deferred, she would have been without a credit card. Three weeks later her account is still frozen.

There were several charges put through that were unauthorized on my account. After months of disputing them with Discover, Discover actually said they were authorized! They are crooks and do not provide the level of security of a bank. I highly recommend skipping Discover and getting a credit card with a legitimate bank that is really FDIC backed and stands up to their promise. One-sided investigators, no transparency, and no right of appeal unless you provide additional facts. The Discover agent said I need to file a police report and have the police go after the perpetrator. Then they’d consider this new evidence. Yeah right, cops got better things to do. Highly dissatisfied.

First PayPal sided with online scammers who scammed our son. Not surprising because the scammers talked him into sending money through friends and family versus business transaction. But Discover was used to pay charge on PayPal and they are supposed to go on their own policies. They got no evidence of the scammer sending anything which is what the scammers promised (software) and acted like that is what they were going on, but then changed and went with PayPal policy.

From all the reviews I have read, October 2019 looks like the downfall of Discover Bank and Credit Card business. Really do not want to rehash my 'many experiences' with DiscoverCC/Bank. So to all, be grateful your eyes have been opened and you are free indeed!

They were fine, until they weren't. I had 2 cards with them. I never used them. Complicated story but one was used accidentally by my company. Since I never used them, it didn't get paid until I realized what had happened. I remedied it, no terrible big deal. Fast forward 18 months, and I think about using Discover again. I contact them, ask questions. And now all of a sudden after they do a credit inquiry they decide that due to that single delinquency that they should have known about for 18 months, they want to close my card. Trying to communicate with them was ridiculous, getting cut off and transferred around until I was able to just close the card. Good riddance, and never again would I consider working with Discover. So many other better options.

I called today to make payment arrangements and after I was told I had to the 30th to submit a payment I was repeatedly bullied for financial information and threatened that if I hung up Discover would no longer work with me. Thanks discover service rep Miguel. I’m in a hard spot right now but I assure you when I’m out of it I won’t do business with Discover ever again or refer you to anyone EVER!!!

First I was approved online for card in Aug 2018 with 2 year old bankruptcy and credit scores with the Big 3 Bureaus ranging from 604 to 640 (no late delinquent or collections). Got online confirmation citing $800 line of credit at 13.99% APR, 5% quarterly cash back and 1% purchase cashback. Then get letter in mail raising APR to 24.74% and no other changes due to bankruptcy and low scores. Okay, I accepted that. Used the card responsibly, no late pays, no fees added, no going over limit, and then had to buy a car so for 9 months stopped using card trying to get used to having car payments and managing finances so being responsible, I didn't charge up a bunch of purchases to cause a financial struggle and adversely affecting Discover.

I've only had Discover card for a year and every time I have a problem I would call customer service and I don't have to spend a lot of time with the automated robot. It will only ask for a security question and that's it. We'll wait for an actual person and the representative is kind and pleasant. Thank you, Arlene **.

Had my card since 1994. Paid it off and without warning my 10k available credit card was closed and told "no recourse". Said they are a business and need to make money and because I was being responsible and not using it for 12 months, they shut it off and canceled my account. No warning, no call, no discussion. Told it was irreversible decision. So much for rewarding loyalty.

I have had my Discover card since 1992. I have had to contact their service dept only a few times but every time a real person (English speaking) answers the phone, they are polite and very helpful. Recently I call the service line. I thought a payment did not get posted. It turned out to be my fault. They reversed the associated fees and interest for me anyway. I paid the balance amount immediately.

Discover is malicious and sneaky. I was one of their card holders that used my card regularly with a great credit score they paid my bill on time. Now I have other credit cards. I just got use to just using this one. Now let me tell you that Discover locked my card up and wouldn't tell me why until I spoke to the six representative and even then it didn't make sense why they did it with me being in good standings with them.. Then later I got email from them threatening me to give them access to information that they aren't privy to knowing.

I've had my Discover card for 30 years. I never use and and today I remembered why. I sign up for the 5% cash back during certain quarters. They tell you when you buy something at Walmart between Oct. 1-Dec. 31 you get a 5% cash back. Well, my cash back never showed up. I called and found out it's only if you buy from Walmart online. I bought hundreds of dollars of products that I'd normally charge to my other credit card, but didn't because I thought I'd get 5% rather than the 2% from my other card. I was told I would get 0% for my purchases!!!! I will never use this card again, but will keep it so it doesn't affect my credit report. This company has gone downhill so quickly, and it's a shame. DON'T GET THIS CARD!!!!

I called the end of August to dispute a charge from a third party. I had no knowledge of being involved in a hotel transaction. I cancelled. Because I heard nor saw any correspondence from Discover regarding the filed dispute I called back in October and the rep to my surprise told me, "we have a record of your call for the dispute but we never followed up". I had to repeat the process all over again. Thank God the rep was courteous as I was clearly frustrated. I hope to receive actual support from Discover in this dispute which I thought was one benefit of using a credit card. Let's what happens this time around.

I wish the world realized having a controlled even tone is NOT what people want in Customer Service. It's terrifying. It's upsetting. I don't want a robot, I want humans. I also want to know if I provide personal confidential information for credit applications, the information can be deleted. It should be deleted with pleasure, absolutely, and immediately. Instead, I talked to 2 of their staff from Delaware who considered Discover unable to be hacked! OMG. How Titanic of them. How unsinkable. Obviously, not a company who would value my security if I was a customer.

I opened my account in May 2017. Since then I have periodically used my Discover card, I make large payments every month and/or pay it off and I was just informed that they closed my card due to inactivity. I paid the card off three months ago and have not used it since. This will result in a negative mark on my credit report. I spoke to the "specialist" who closed my card and he said there was nothing he could do. He noted that my other credit card balances are too high, I have a public derogatory record (from 2014 and was on there when they approved me and is paid off), and I have a new personal loan. What they didn't note was I have not had a late payment since 2011 and that late payment was a student loan, my score has increased and I have paid off three other credit cards in the last three months. So basically, because I have been responsible with my credit and don't use it regularly they penalized me for this!!!

It's a lawsuit trap people. They use Nathan and Nathan PC out of Alabama to sue you, AFTER you enroll in a hardship program. Discover is a very DIRTY company. Do not do business with these people. They do not keep their word and try to hurt Americans with their fraudulent collections.

They continue to provide my card information to a fitness center that I’ve cancelled with. Discover has without my authorization provided updated credit card information to the fitness center. And when I confronted Discover they state that it is what they typically do. Horrible, company, they only care about the large corporations not us.

I have had a Discover card for 29 years and now I am done with them. Big change has recently taken place. Now you call up and get a phone tree. So much for the commercials with getting a real person! I recently made an over the phone payment for the full balance on my card. Four days later I received an email telling me there was a problem with the banking information. I immediately called and was told that I had the choice to pay again over the phone or pay when I got the next statement as they would just add the original amount due to the new statement. I asked if any fees would be assessed and I was told no after the person checked. I summarized that my options where to pay again by phone or pay later on next statement and there would be no fees and that was verified by the representative. I choose to wait for statement and pay. Of course the statement arrived with added fees.

Don't like the fact that Discover can increase your credit limit when they see your credit score has dropped a bit. I had this credit card for 2 years. I wasn't working 1 summer 2019 so I got behind on my Capital One card and I had to put my Capital 1 card on a special payment plan and I missed 1 payment also with Discover card. Once I paid off my Discover card balance of 2500 I began using it to pay off some bills. While I was using my card I noticed my limit was the decreased from 2500 to 1500. I made a payment that following week of $40 in my credit limit was increased to 1800. Once I pay off card will be closing the account and never going with Discover again.

Do not use this card on fraudulent companies like LeaseTrader... They charge $40 to run your credit then fail it on until you agree to pay lease transfer commission upfront! Then pass and once you talk to owners deals don’t exist so company uses bait and shift scum and Discover team cannot protect you! Basically you end up paying for services which newer existed and yet again discover card team will make you pay it!!

I have had an account with Discover for over 7 years. It's been paid of with a negative balance (they owe me) 0.06. Attempted to use my credit card today to book our honeymoon travel and the card was declined. I logged in to my account and saw there was more than sufficient AVAILABLE BALANCE in my account. Nowhere on the screen (I have screenshots) does it show anything out of the ordinary, however, due to 'inactivity' they closed my account 2 months ago. The only answer they could provide was "We sent you a letter" (Bear in mind, I do everything electronically with e-statements) and that I could "apply for a new card" if I would like.

I had 2 charges for the same thing, the same day, the same amount and I have been trying for 3 months to get help with the dispute. Common sense is if there are 2 charges, the same day, same amount from the same place; and I am telling them there was only 1 reservation and U-Haul only shows 1 reservation. How would a 2nd charge be on there. I have tried talking to 4 different people and the supervisor. I closed my accounts with them. Never again!!!! I don't even want to given them a 1 star.

Would you like to do business with a card company that refuses to give you credit increases for over 3 years? If limiting your vacation experiences and limiting your buying power is for you then Discover card is perfect! While other NEW cards are giving credit increases in less than 30 days Discover has found a way to deny great customers credit increases! Hey it's legal! Their AI credit reporting by Experian (Texas started the Russia problem!) is not current/up-to-date. Numerous attempts to correct this information with both Experian and Discover is heading to court! My recommendation to others is Capital One credit cards; and Credit One credit cards. Those cards WILL give you credit increases....

I opened a credit card account with Discover, a year ago. I have a better credit score. The customers service is more than excellent. The app is really easy to navigate. Cashback's credit card is wonderful. Each day and at your anniversary date with a simple click the menu let you do almost anything you want. If you want to request more limit, a simple click and you have more credit limit in a second!! Discover make it easier to do everything you want, compare to any other bank I know. I love it, and I am so grateful to have this credit card cashback at 5%. Discover is more than excellent. At least with me!

I hope you'll take back your review on Discover Card. I'd been with them since 1993. However, in recent couple years, I find their practice has fundamentally changed on how they treat customers. They used to take care of their customers in the 90s, but no longer. They are doing things favoring fraudulent/scam businesses and insist to leave fraudulent charges on my account. I had already closed my account and will never have another Discover Card again. As a long time loyal customer, I have to say, Discover Card now is no longer a good, decent business that would do what's right for consumers. Please remove your review on Discover Card. It gives people false impressions. I don't want other consumers to become their future victims.

They missed sending me statements now for the 5th time. I have been a customer actively for about 4 years. It is only Discover that does this, not any of my other 10 credit cards or my mortgage. I now believe this is deliberate and not an honest mistake. It is a racket to collect late fees.

I haven’t used my card once and already got a balance decrease.. I called in to find out why and got hung up on. I called back and was fed a load of crap! Because of my debt to ratio and 1 late payment reported January 2018 they decreased my CL by $2,000.00. They claimed they notified me by mail and via email and said it was sent out in February..?? Here’s the kicker, I applied for this card 7 months ago (Nov.2018). Why approve me just to decrease my CL 2 months later and the damage it’s done on my credit score!! All she can say is, "You can always close the acct." I’m so disappointed with the lack of professionalism and customer care!! I’m willing to lose more points off my FICO just to close this card out!!

Over 5 years ago I closed my Discover card. I hit a low point and needed to be able to pay the account down. Life has turned around a bit, and I'm trying to buy a house. I've paid over $4000 in the last 3 years (25% of that being interest) and had $600 left to pay to get the account to zero so I could get my credit up to buy a house. Contacted "customer service" to see if they could write off the interest and I would pay $575. Not only did they deny me (I've never met a company that is so unwilling to work with its customers) but when I paid the balance on the account in full the card still showed $19 owed.

This was my favorite card until I had to file a dispute regarding some charges- since I had called to report the error the day the charge appeared and again a week later plus emailed the company that charged me to tell them about the mischarge (I had been double charged for a product I did not order), then sent another email 4 days later to the company stating I would like my original order cancelled as well since I had heard no response from them about the mix up and that I wanted to cancel any subscription I might be signed up for (since it was a trial order)- I felt safe with the paper trail and my calling Discover that there would be no problem... I received more charges at much higher amounts over the next month and a half... altogether costing me nearly $400.

Discover recently cancelled my card. This came out of nowhere and for no good reason. I have absolutely no lates on any credit in the last 10+ years. I've not defaulted on any loans. And though my income is down over the last year, I have been paying regularly. And my balance isn't anywhere near the limit. So there's no good reason for them to do this. And no one will tell me why they did it. Apparently it was a computerized review that determined it. The say they have no other information. I will never utilize any service associated with Discover ever again. They have earned an enemy for life!

Imagine my surprise and discontent. Called to use the pay by phone system, it used to take about 3 mins, hit a few buttons and done, did NOT have to talk to anyone, did not have to try to enunciate clearly, did not have to shout, and did not have to get patched through to an agent because the voice activated system is still learning!!!! So mad, because aside from have to repeat myself multiple times to a ** computer and hanging up and redialing, it still ended up patching me through to an infinite ignore, listen to music system. Whoever is selling these companies on voice activated bill pay is selling you all down-the-river, because consumers all hate it. Do you market research.

I've been a Discover card holder for over 10 years, never missed a payment, one late payment recently. So I knew my credit score was "Good". I went shopping for a new car, thinking that since Discover claimed my FICO score was 813, I would qualify for 3.5% interest. Boy, was I in for a shock. Banks don't use TransUnion scores to determine your interest rates. So this "wonderful" score from Discover did me no good.

11 year customer, 803 fico per Discover, $24,400 credit limit, account closed for lack of activity with a single snail-mail notice. No online messages, no emails, just a single paper correspondence which I apparently didn't read. "Unable to reopen, feel free to re-apply." Unbelievable!!

After being a card member for 6-7 years, never missing a payment, and just having my line of credit automatically increased, my account was closed with notice of an email. After calling, they mentioned that it was due to a mark on my credit report. This mark was made in error, the company provided a letter mentioning it was in error, it was reported to the credit bureau and in the process of being removed (but this is a long process, apparently), but Discover did nothing to notify or reach out before closing the account, regardless of history and years of membership.

I recently became a customer with Discover credit card, but I am having horrible with their billing department customer service. I opened a dispute after purchased super-fake bag from one seller on eBay. After provided all the documents and evidence to help and support my dispute. However I received the notice that told me their decision was on seller favor and the credit was reapplied back to my account. I had to call them several times. Finally they admitted that maybe some mistakes and they will continue working on my dispute.

I got a letter in the mail stating I could get a Discover card with a 18% APR, they counter offered a 26% APR card after denying me and dinging my credit with a hard inquiry because I didn't want their terrible interest rate.

I have been with Discover for 32 years but I can't get a statement from them in 2 years. Also I can use their credit card but on my Credit Report it shows this account is closed. I need this Credit History for my Credit score. Otherwise it shows I don't have a Credit History. I've got a Capital One card & love it. Discover keeps giving me the runaround saying they are sending out a statement but we never receive it. They say it's a computer glitch. Why they can't notify the credit bureau the account is open? Well maybe you need different people in your technical dept. Why can't they pick up the phone & call instead of letting a computer feed the information.

So these guys just emptied my banking account. I didn’t even know about any wage garnishment orders. I’m not even on the credit card, my husband is! We have 3 small children and went through a difficult time after the third and was unable to pay so the account became delinquent. My husband tried to negotiate an amount we could afford but they refused and took us to court. We next received a court date, the next thing we know is we got a notice that he did not show up to the court date so they basically win by default. We are people that pay everything on time and I budget like no one’s business. I just got paid a few days ago... waiting on about 10 bills to come out then all of a sudden our account is at $0 with no explanation online so I call my bank. I have no idea what’s going on. It was my husband that said, “maybe it is Discover”.

Disputed a charge that was false and explained with a letter and documents and despite attempts to contact me I finally called the dispute department cited with the crooked vendor and wished me luck. They are not on your side. Only their side to make money no matter who get the short end of the stick. They charge a lot more interest than other cards. Not happy with them and have not decided what to do yet.

Discover is unfair and unethical in their review, process when determining credit line increases. I know at this time I am, probably not entitled to increase but when I was they would not, I can never speak to a ** customer service rep not never. I am currently in the process of litigation proceedings against Discover, for some of their, shall I say inequal hiring policies. I would, like to pay them off and expose them for who they are a right winged organization and, practices as such in my opinion.

If you want a credit card company that will charge you late fees when you pay on time, then make you spend 5 hours to fix it but not actually fix it, then do it all over again next month, then explain patronizingly how you can pay your bill on time, go with @Discover.

I applied for this card and was approved for $1,250.00. I was asked to verify my information. They asked for a copy of my driver license the front and the back, a copy of my SSN and I submitted that. Because I did not change my address on my driver's license they would not accept that so they wanted a copy of my bank statement with my new address on it. I submitted that. I guess that was not good enough. They wanted my tax information so I had to sign a document to release my tax information to them. I submitted that. It came back that the IRS would not give them my information. So they asked me to sign the IRS documents again to try again to get my information from the IRS.

I am incredibly disappointed with Discover. I have had a credit card with them for almost 4 years and have never missed a payment. In March I made a $2000 payment which was returned. I called Discover and was told that the payment went through a closed bank account. This account was removed and updated by phone, but for some reason changes made by phone don't register on their online or app accounts. Up until this point however, they were taking out monthly payments from my new account for 10 months with no issue.

I have been a customer of Discover for about 20 years. I am retired from law enforcement and investigated Credit Card Fraud and fully appreciate the challenge at hand to "Abate" Fraud in this CYBER WORLD. I make from time to time purchases for multiple thousands of dollars, and always call Discover, peck through all the "Inconvenient" and monotonous soliloquies none offering my intentions. Finally after pounding ZERO a few times I am finally greeted by a very responsible and friendly voice. I convey to the AGENT my intention to use my card for multiple thousands of dollars, and am always thanked for the info, and also told it is nowhere near my credit limit as though to insinuate, the call was not needed but thanks because a bad charge will be "Pending for days" and I should be vigilant of my card activity and report unknown charges "if" they occur. Not to worry.

My credit line was decreased because of a mistake put on my credit. Got it straight. Discover refused to reinstate my line of credit. Just kept saying, "We are sorry. You can apply again." Their service is a piece of **. Do not trust them. They will screw you and then won't give a damn.

Discover Card Company does not work with you during a financial hardship. While some people may just stop paying when they cannot afford the minimum payment my mother was forthcoming with Discover. We've called them 3 times this week to try and head off as much as we can problems with paying the current monthly amount begging for a financial hardship repayment plan like ALL OTHER CREDIT CARD COMPANIES OFFER when the debtor calls the company to let them know and avoid bankruptcy.

I recently moved, missed 2 payments due to going paperless and Katy of Salt Lake City was a typical Millennial. I'd already paid off my bill and asked her to refund the 2nd late fee and retract it from the Credit Bureau whom they'd notified. My score plummeted 62 points from excellent to good. She was arrogant and cheerful to the point of annoyance as she put me on hold numerous times and each time told me she could NOT remove the late fee AND they would NOT contact the Credit Bureau. She informed me that was MY responsibility. Her 'customer service skills' are horrible and her lack of education which caused her to put me on hold numerous times embarrassing. I am thoroughly disgusted with her and Discover when any other credit card companies would be helpful. Discover has been a nightmare to my wallet and most importantly my credit score. We're done with Discover.

After 20 Years, Still My Favorite Card. I have had nothing but positive experiences with this company since I got my first card in the late 1990s. The rewards are by far the easiest to understand and redeem. They update your FICO score monthly on the website, and even have a page explaining it. Purchases are categorized to help with budgeting. The customer service is better than any other company I've dealt with; agents are knowledgeable and friendly. I recently had a disputed charge and it was resolved quickly and easily. I would gladly recommend Discover to anyone.

I'm extremely disappointed with this particular credit card company. If I could give less than 0 I would. We decided to pay off one of our credit cards because we're focusing on eliminating debt. We paid off the balance on one of our Discover cards and because they felt that our credit score wasn't high enough even after paying off the balance, they decided overnight to just close our account. We thought they would find it as a good thing to have the balance paid off but they just wait for you to pay it off and then kick you out even after years of being with them. Disappointing company.

My Discover credit card is the best credit card I’ve ever owned. I opened my Discover account a little over two years ago. My only disappointment is that I didn’t apply for a Discover card sooner. I assumed that many merchants wouldn’t accept Discover. To my surprising in the two years I’ve run across two merchants that did not accept Discover. I’m able to use my Discover card with all my purchases.

If you are considering a credit card company and you are thinking Discover may be a possibility, drop it from your list and run! Discover decided that my debt to income ratio was too high, so overnight without warning they raised my interest rate from 12% to 31%. I had made all my payments on time, always exceeded my minimum payment and had not maxed out my credit line. This after being with them for years. There was no reasoning with anyone whom we talked to at Discover, they were all rude, arrogant and condescending. Their attitude is clearing that they have plenty of customers and if you don't like how you are treated, go elsewhere. So we did!!! There is no attitude of customer loyalty or satisfaction with this company! I'm amazed they are still in business!

Became a Discover cardholder back in 1994. Open up a joint account with my now, ex-wife. 25 years of on time payments and my credit line was $16k. My credit rating is 830. We divorced back in 2015. I kept the account open till 2019. I had to close the account because my wife wanted her name removed. Only way to remove it, was to close it. When I went to open up a new account in my name, 20 minutes after closing the joint account, they dropped my credit line from 16k to 4k just like that. My ex-wife didn't work so my original credit line was on my income. The Discover agent on the phone was like, "Well you can ask for an increase in July!" It was March. 4 months I'd have to wait???? Are you kidding me???? 25 years of excellent/perfect payments and these idiots dropped my credit line 11k dollars and then tell me I'll have to wait 4 months and then ask them to increase my credit line. Way to go jerks!!!!

I do not have enough time to even write how bad this credit card service company is. They lowered my credit limit from 6,000 to 1,400 overnight because they said my revolving credit was too high. Mind you, I never missed a payment and I wasn't using the full amount of the card. Only 1,200 was used at the time. Now years later when I notice how my account balance has been low and the rest of my high balance cards are paid down, I submit a credit line increase and they decline it. Mind you I have 7 credit cards. Amex - 15k limit, Bank of America - 7.5k limit, Chase (2) - 6k limit, Capital One (2) - 5.5k limit, and a Credit Union card with 7.5k limit on it also. Discover has the lowest limit with 1.4k but also has the highest apr @ 24.74%. I have $56 on the card just to leave some money on it so I don't actually use it because the interest is too high.

I used to be a Discover card customer for over 15 years, always paying on time, never had a problem. The problem came when they just change "on their own" from paper statement to email notification, and I totally forget to make my payment last January of just $22 from Netflix subscription. Then I got notifications immediately not from Discover Bank, but from all three credit bureaus next following week to downgrade my score over 100 point, from 820 to a new 650. Unbelievable!!! Discover don't pay any respect to their longstanding customers!!! Really, they don't think twice to ruin your credit!!!

I have been a Discover Card member for many years. Still currently never missed or even been late on any payments. I had another creditor report something in error and they decrease my limits as result. My credit took a major hit but fortunately the creditor did correct the issue in a timely manner. ALL OF MY CREDITORS TREATED me with compassion an understanding EXCEPT for DISCOVER. I now despise being their customer and the gentleman who I spoke with over the phone made me feel terrible as if I had done something wrong. Refused to even consider reevaluated my credit line based on the information I provided. I am going to pay them off and never use them again. I recommend CitiBank. Better cards and rates and very understanding! I should have listen to the reviews as well.

I never had a problem making payment until I became disabled and living on a 826 Social Security check per month. My account became changed off whatever this means and they threatening me to send it over to a lawyer if I did not pay the amount pass in total or agreed on the ridiculous payment plan they were offering me. I try for over a hour to come to an agreement to lower my debt and my monthly payment to pay for my debt but the agent Mark told me that either I agree or just wait for the lawyer lawsuit against me. There is nothing that I own and have no money so the lawsuit will be a waste of money in their part. I really want to settle this account but I guess I just have to wait for the knock on my door or file bankruptcy.

This company is a bunch of frauds! I'm already struggling with money and they up and took ALL of my money out of my bank account. I had to pay $65 for my monthly bill to finally be all caught up and decided to pay that amount two days earlier than the actual due date. This morning I come to discover (no pun intended) that they STOLE all of the money in my bank account which caused my account to be OVERDRAWN. WHAT?! How does that even work???

Nightmare from fraudulent moving company. Regions Relocation 1800 Montreal Ct. Tucker Georgia 30084 678-534-7553 October 2018. Went to site moving.com. Found info about shared or partial loads from area movers. I found great company in Florida. Paid deposit and did paperwork. Then received call from Kevin ** moving consultant with Region Relocation. I told him, already committed to another company and paid deposit. He started upselling me and asking about my contract. He was smooth talker and wanted to know about my contract. He told me the other company wasn't credible and he was licensed and said he would honor other contract and beat the other person contract price. He talked to my elderly sick Mom and said, she could trust him, he was Christian. Should've been our red flag.

I have been offered by Discover card Services a credit card with very good frills. However this forum has so many bad reviews about their complete services to their account holders that it is better no to take the offer. I also highly recommend not to apply for this card until their ratings improved greatly and their litigation problems get resolved with so many reviewers.

Been dealing with Discover about fraud, ID Theft and Forged application----WHICH THEY SENT IN THE MAIL. The fraudulent charges are over 10,000 so I am sure this is why they are fighting this. They dragged their feet sending a copy of the original application and any other information requested to prove the fraud. I have submitted affidavits of forgery. They are a nightmare to deal with. Know your rights. If Discover attempts to collect a debt that is not yours, you may be entitled to damages. Consult with an attorney who is well versed on credit card debt. PS These credit card companies count on the police not prosecuting these cases because there are so many of them then they try to turn it all around on the victim by trying to say there is no merit to your case because police will not investigate. Fight them tooth and nail. I am NOT letting them off the hook any time soon.

I had two Discover credit cards. In 2006 I became disable and put in a claim to Discover... YEP! I was told that I was not covered!!! Then Money started being moved out of my other cards to a fake account at Discover Bank, I called them: "WE FIX"::: They sure did. More money was moved... Thanks to them I am over $30,000.00 in debt to the credit card companies. <<<< They did take me to court for the $14,000 that they claim that I owe them! The case was dismissed. They could not prove that I owe them the money!

My husband ended up having to pay close to $7,000 because someone hacked his Google Play account and Discover would not back up his claim that it was fraud. Some of the charges he noticed late, but some he noticed within the correct time frame. He did not get any of the money back because Discover claimed since they could not prove it was not him that he was "responsible" for it. He even went through the correct procedure to claim a dispute, took hours going through his Google Play account to write down his actual purchases and those that were fraud. Which is exactly what Discover asked him to do. His actual purchases were very minimal opposed to the hundreds of dollars being charged to his account. The worst part was he received a phone call stating the investigation was complete and that he would not be responsible for it.

750 FICO Score gets you high interest trash card. I am not sure how or why Discover has lasted over time as a premiere or good card to have - it's awful. It feels so scammy to see a bill for $88 to cover a $2600 balance (this same balance cost me $40 with my Capital One cards). The entire credit line is $10,000. I never go over 33% with all the things I have to do each month. I've asked them to explain these high charges to me several times, but the responses are incredibly confusing, possibly intentionally so. I noticed that $55 of it is for interest. I'm closing the card.

They are fine until you dispute a transaction. I got scammed by a merchant on eBay who admitted through documented emails that the phones I bought were never scanned, therefore making them unusable. He would not refund me so I reached out to Discover for help. Discover said they would need proof that the merchant issued a refund or agreed to a return in order for Discover to reverse the charge. Wow. If the merchant wanted to help me out with a refund in the first place, why would I need Discover to help me? This left a bad taste in my mouth. I will be looking into another credit card company.

I answered an email for a psychic reading. Not knowing the coupon code automatically signs you up for a $40.00 membership fee. Life was very hectic at the time and for the next few months. I did not look over my bill every month but made sure I made my payment and that it was on time. 10 months later when things started to slow a bit I saw a charge, I did not know what it was for. I had not used my card in months. I called Discover. They said it was a reoccurring charge since March. I called the company ASKNOW, they told me I would need to speak with a manager. None was available but they would call me back or call back tomorrow. I called Discover back and opened a dispute case. They only reversed 4 out of the 10. ASKNOW said I was to stupid to look at my bill and will not give me any more credit back.

FRAUDULENT/DECEPTIVE! This Company offers 14 months introductory no interest yet after 6 months I began getting charged interest. They stated it was credit score dependent and NOWHERE does it state that and in fact they started me off with $5000 credit limit and now am up to $6500 after less than a year. Fraudulent and deceptive!

I had disputed my transaction with Sinemia for which I made the payment with Discover card. Discover had made the decision towards Sinemia and has reposted the payment on my account but has not communicated the result to Sinemia and has not provided any kind of documentation to Sinemia informing that the dispute has been resolved.

Just had my limit dropped for no reason! They claim I just had a derogatory mark just hit my credit but this is not true! Crappy card. Crappy service! I have zero bad marks on my credit and 100% payment history on all of my accounts. Do not waste your time with this card. They are a total disappointment!

Discover settled a fraud claim in favor of cardholder when we provided strong and complete evidence of services provided. There was no explanation, just a note letting us know that the claim was closed. There is a complete lack of transparency, we would like to see the results of the investigation and the rationale for this decision.

I received a offer to apply for credit card. After I faxed information and my credit was checked (which caused a ding on my credit report) because I could not fax copy of social security card I was turned down, there is no picture on my card and they had already dinged my account. Waste of time, never had to do this with any other company.

If anybody has a Discover card, I highly suggest you don’t make a big purchase on any other credit cards. If you do they close your account without your knowledge and do not notify you that they’re doing it until there is nothing that can be done. I had been an account holder with them for 3 years, never missed payment, my account balance was 0 and was even awarded a credit line increase of $1000 approximately a month ago for “being in great standing and making all payments on time” and due to another credit card having a “semi high balance” (of which was also paid off at the beginning of this month, but hasn’t been reported to the credit bureaus by the company) they closed my account because I am considered “a credit risk to their company.”

I have been a long time customer of Discover. Over 40 years. They are treating me very badly by charging very high interest. I will never pay off this debt with the interest they are charging. I am a single mother with a limited income. Discover card continually raised my credit limit and being a single mother I kept using the Discover card until I have a very high balance. With the interest they insist on charging I will probably face bankruptcy. Beware!!! Can’t stress this enough.

Had my account 2 years, never late, I have 100% payment history on all my accounts. Even when on medical disability for 6 months made every payment on time. Sent my payment in full and the same day they drop my credit limit from $3,000.00 to $500.00. Never a late payment and account always paid. They say, "We sent you a letter about why we dropped your amount" and still haven’t received it. If want to hurt your credit this is the card to kill it real quick!

I got the Discover card and seems like a good emergency card. I didn't read the fine print. I got into some trouble and used it. Why lord did I do that? I paid and paid, but the balance never would go down. Turned off the card still it grew. I was told it was the interest. But I have other cards that I have paid off. I finally stopped paying cause I was at 100.00 a month and the bill was not even getting a dent in it. They called over and over. They asked me to borrow money from friends.

I have had a Discover card since 2010, and in the last year, can't seem to make a dent in my balance no matter how much I pay. I was put into a program with lowered APR for a yr, and frozen card, told I would get about $800 off my card that way. I'm on month 10, and have made large payments each month, and still my balance has only decreased by a scant $400. I am paying between 125-150 $s a month, so how can that be right? I hope someone will check out these crooks. Don't go for this card, you'll regret it forever after.

Got sent overseas for business and the trip was extended while there. I forgot my login and tried several times to contact Discover, even through hotel operator, who informed me Discover's 2 overseas numbers would not go through. Operator stated that the number was for Canada and Mexico. Other for US only. When I got home I called Discover to explain what went on. It was the worst customer service experience ever from a credit agency. The kid did not care about my story and demanded full payment. I paid off my 2200. balance with LATE FEES. They tell bold face lies in commercials, NO LATE PAYMENT FORGIVENESS! Had been with Discover for 16 years and never late. Spent a lot of money with them. I immediately cancelled this phony cut rate card. Tons of better cards out there. Would never recommend to anyone. Did not follow through with emails for payment or closure of account.

First of all my husband has a FICO score of 777. When he first got his credit card which was only last month, he could view his score on discover.com but now it won't show up although he can see it on Fingerhut, not only that for the past week after he has already used the card, he has been locked out of his own account, he is locked out on the android app but on the website it just says technical difficulties and they are working on it.

Been with Discover since 2005 paying card protection but when I needed help with an overcharge Discover turn away, a merchant overcharge my card by $1280 back in May 2018. When I contacted Discover was told by the rep it would be easier to work it out with the merchant, month after month the merchant said he'll refund it but he never did. I contacted Discover after six months. Sent in all the text messages between myself and the merchant then was told by Discover I waited too long, Discover supposed to be an American base company but when a fraudulent charge was made on Discover card they turned their back on me. Beware. Stay away from Discover card because if ever you need them you're on your own.

I have owned many credit cards over the years to take advantage of 0% interest, discounts, etc. Discover is by far the best credit card company I have worked with. I've had the pleasure of utilizing them as my main credit card for over 10 years now. Their 5% cash back reward program is awesome and their superior customer service is next to none. I'm always connected to someone quickly who I can understand and who understands me. Credit disputes have always been resolved in a timely manner.

I recently switched all of my recurring monthly expenses to Discover. BIG MISTAKE. One of these was the fee on my storage unit for $145 every 21st of the month. Discover froze the Dec 21 charge and suspended my card. WHY? The Oct 21 and Nov 21 charges for the same amount from the same merchant were right there on the account. What could possibly have prompted them to suspect the Dec 21 charge? I called them and asked them to please contact the merchant to ask them to re-run the charge. They refused. I asked them to explain why the charge was flagged as suspicious. They refused.

has auto deductions, stays in the house. Last year got a Costco credit card - an extra 2% off of Costco purchases. I pay these off in full every month for 15 years. No late fees ever... and Discover wanted me to sign something so they could check with the IRS to confirm my income for the past 2 years! And, shortly after my application, I began receiving up to 80 emails a days in my spam folder... this could be a coincidence, though wonder. Also when I called to see if the IRS thingie was real, transferred to 8 different departments. AVOID THESE PEOPLE. AVOID DISCOVER.

Discover has violated their own T&Cs and denied my genuine claim stating I returned my item. Returned items definitely are excluded from the price protection and I agree to that, however in my case, the item was NOT returned. I still have the item. Background: I purchased a computer on 10/26/2018 and I submitted my claim on 10/31. I later in the week stopped by at the Walmart store to buy '3 YR Protection plan' on 11/03 for my computer as Discover Card would no longer offer extended Warranty. Instead of just selling the 3YR extended plan to me, the Walmart Manager decided to return my purchase and re-sold it along with the protection plan. This is what he did, and now Discover denied my claim saying I returned my product. NO Discover NO... The item is still with me and I have all the proofs to show I still own the item.

Applied for Discover card and balance transfer. Have good credit, current Amex and Capital One cards. Lived in same home that I own and pay mortgage on in my name for the past 11 years. Solid auto leasing over 15 years. Discover is the only company I have ever had ask for my social security card to prove citizenship. Guess I was flagged due to my Hispanic last name. Wouldn't accept driver’s license, passport, etc. Demanded social security card and after pressing them customer service even openly admitted it was to prove citizenship. Demeaning and racists.

Discover is honestly a really horrible and greedy company. They appear friendly and honest at first glance but this is an illusion. Discover makes an art out of ripping off their customers. They will patiently await for your balance to increase at which point it's too late for you unless you have the cash to pay the full balance at once so you can close this scam card.

As a single mother, you look for ways to lower debt and keep your finances in order. Like many, I had some debt and I was tired of paying a fee each month on that debt. I was tantalized by the Discover card commercials that portrayed card holders like family and offered no fees and 0 APR for 14 month. This sparked my interest as I knew that I could pay off my debt way before 14 months. The no fees sounded fabulous to me. So I applied for the Discover card and put in for a transfer. The transfer had a fee, of course, but it was less in the long run than getting a fee every month. I received my new card in the mail and I activated it immediately. I noticed that the transfer was not on my information. I gave it a couple days to see if it would show up. I had not received any notice that Discover was considering or even processing the transfer.

I have been a Discover customer for about 12 years, first with a credit card and more recently with checking and savings accounts. I always loved Discover and thought the company was the total package with great card benefits, helpful account features and excellent customer service. I often recommended Discover services to family and friends who frequently took my advice and opened Discover accounts.

I reviewed my online statement and found credit line has been decreased without notification from Discover. I will request to have paper statements again, so I can monitor this account more closely. :(

I have been with Discover card for a long time. I have not been making a lot of money for a while, self employed so my income varies, but I have been staying current with payment. I have reached out to them many times for help. They have never been able to give me real help. They gave me the number to money management international, which I called. I had what I thought was a useful phone call, and was told to call Discover back with the new information, which I did. When I got a hold of the people at Discover it was the same old story, there was nothing they could do for me. The worse part was when I got transferred to Curtis, his advice was simply pay more on the account, I had to remind him the reason I was calling is because I could not make a full payment and was asking for assistance, out of 2700.00 in payment this year only 1000.00 was applied to the balance.

After receiving advertisement at home sign up for Discover Card and submitting my info online only to receive first notification via email about the decision made for me to get Discover IT card. Then the very next day after receiving card in the mail I get the first email notification advising me my line of credit is $2000. After calling credit card customer service department to close the credit card because I was dissatisfied with line of credit And the fact that I was deceived to get this card without receiving any notifications to how much I was going to be my line of credit, the person on the phone was not able to determine if I closed my account.

I have owned this card for a long time. My payment history was on time if not early. I quit using the card because the main store I used it at went out of business. I paid off the card. Apparently a delayed billing to my account slipped through without notice. I did in fact forget to update the email address on the account. So a $19 charge went unnoticed by me for 6 months. At no time did Discover reach out to me by paper or phone after running $100k through the card for many years. I found out when I noticed my credit rating dropping. Their response; "Sorry this happened. Thanks for paying your bill." Done with this card.

This will most likely fall on deaf ears, but this company is a joke with their crappy customer service. It started a few weeks ago when my wife was on their website paying our bill and there was a warning for us to call in to discuss a possible breach to our account. So, I called Discover to discuss this warning we got, mind you that we never got a call, email or a letter, and I was worried as to what may have happened. It turns out, that a company I used my card with may have had a data breach and my card could have been one of those affected by the stolen data. Now, this is where it went south for me. Discover acknowledged the issue and already issued me a replacement card and canceled my current one. I was upset that it took for me to place the call to them to find this info out and to top it all off, they will not tell me who the company was which is BS as why would you protect these thieves and not your own customer.

Please, I beg you to choose one of the other many credit card companies available to do business with. This is honestly what happened to me. Well, I was a card member since 2004, and I never had a late or missed payment. However, I decided to close this joint account with my husband since we were going through a divorce. The payment was made in full at the end of July, this year, to pay the card off completely, and on August 2nd, this year, I even called Discover to be sure that there wouldn't be any other fees or interest added to the account as well as to confirm that the account was closed, which had also been previously requested prior to the payoff to ensure that no other charges would be posted to the account.

Discover Card…employees and management were beyond corrupt IMHO and based on what I went through. I purchased ProtonVPN service through PayPal using Discover Card as the source of funding and that was when the nightmare started. I did not receive the service and since Proton was unresponsive I put in a dispute. Proton closed my account and refused to refund. I put in a claim, Proton said I had to close the claim to get the refund and then a crooked employee at PayPal told me the same thing which is strictly against PayPal policies when addressing a customer claim. I put in a chargeback through Discover. A month later Discover reversed the chargeback without emailing or mailing me.

I opened a Discover card because we were in the process of purchasing a new home. We needed to purchase appliances and several items for the home. Since we had quite a bit of purchasing we needed to do, we wanted to take advantage of their cash back matching. When I opened my card, they gave me an exceptionally low credit line. The credit line they gave me was 1/10th of what my other credit cards had which made absolutely no sense. My credit is prefect, no late payments, paying every account in full every month as well as my credit score being in the 800s. I was very upset by this but hey, I figured I could make it work.

I called to tell them I was going to be a few days late with my loan (10 days) and they suspended my credit card account. They neglected to tell me this action would adversely affect my credit card account. I spoke with 4 people and none of them delivered a consistent excuse as to why I wasn't told. Customer Service is horrible and they really don't care about their cardholders. They are on a persistent money grab!

Switching 'Discover it' card to 'Discover it Mile' card gave me huge trouble. A week before I called to account manager through ** this phone number, his name was John. He gave wrong information about switching 'Discover it' to 'Discover it Mile' card. Actually he informed me that I can get all offers that was in 'New Discover it Mile' card even I switch 'Discover it' to 'Discover it Mile'. So, I switch the card and I purchased my cruise ticket and air tickets of total amount $2600.00. And after a week later I called to Discover card account service ** and I got information that I will NOT get any offer as in the New Discover it Mile card.

I applied for a Discover card. The representative who helped me fraudulently transferred the total balance from another card without my authorization and then Discover refused to credit me the transfer charges after I contacted them and I requested the money be transferred back to the original card.

Was pre-qualified and given choice of five types of cards. Applied and was sent a phone number to call to complete application. Called and was given a total runaround, with excuses that the system was updating to the fact that application was processing and couldn't be canceled. When I requested to cancel the application when they would not give me an answer. Now there will be a hard inquiry on my credit report and no approval or denial. I think I've been scammed. Beware, after these people get your information and tell you that you're pre-qualified, they then will take your information and be done with you.

I had just about every credit card there was before the real estate market crashed in 2008. I had perfect credit. I was in real estate so I lost pretty much all my income and went through a divorce at the same time. I took out my entire 401K trying to pay my bills. Every other creditor worked with me. Discover took out a Judgment on my house for thousands more than I owed them so I couldn't refinance to lower my payments to be able to pay my other debts. I tried to call the law firm that handled it to settle it and they never called me back... When I called them back they had transferred it to another law firm that would never give me an answer to my settlement.

Back in 2014 when I was in college I received a letter with code in the mail in regards to a Discover credit card. I called asking for more information with my mom. I told the rep I wasn’t interested but my mom was and she would like to open an account for herself. The rest of the call went well. They asked my mom for all her information, social, address etc. Told her they successfully opened an account under her name with a 3000 credit line. Come to find out 3 years later when I’m applying for my last year of college I get denied from the bank for a loan because I had an outstanding balance with Discover that my revolving credit was too high for my income.

After being a loyal Discover card member for 30 years, we canceled our cards. Approximately 25 years ago, after my husband and I were married, I added a new account for the two of us. Somehow, Discover listed my husband as the account holder with my social security number. Today, we received a call from Discover that our joint account had a hold because my husband's name did not match the social security number. Furthermore, if we did not provide proof that it was his social security number, the account would be closed and we would have to reapply.

This is one of the worse credit cards I ever had in 30 years. 1. Discover practically nobody knows Discover and if they know it, they do not want to accept it. 2. For you to take in consideration is that if you ever have a problem with a merchant or a dispute, in which the merchant stole your information, or knows your information from previous purchases or if you just want to have the money back because the merchant did not provide the service you were expecting and you need to make a dispute or claim directly with Discover "FORGET ABOUT IT, YOU ARE DONE. FOR SURE YOU WILL LOSE."

I just found out that a credit card I've had Discover for over 10 years - with a PERFECT payment history, was closed a month ago. They closed it without advance notice, or notification after closing it. I only found out about it because Credit Karma notified me, as in "hey did you know Discover closed your account?" So I log in to my Discover account, and see nothing unusual. The account "appears" active, with a zero balance, as I would expect. It even let me activate a 5% cashback bonus offer!!

I recently received an email stating that my Discover credit card had been closed. This was surprising since I always paid more than what was due, always paid on time and recently paid off my balance. When I called to inquire, they stated that they do credit checks every year and found that my debt had increased, I had several delinquent accounts and a few new accounts that I had opened.

Closed my account without much reason - I tried very hard to keep my payments on time, pay everything in full, etc. Things that would give a good history for my account. I was able to bring my account to $30,000 available credit. All of a sudden my Discover card got declined and I called Discover and they told me there wasn't much information besides it was a "business decision". Wow! Just like that my credit line just got hit with a negative $30,000 credit. The rep told me I could mail them to inquire about the closed account. Not an email or phone number, but snail mail. I guess the way I treat my credit with Discover isn't good enough for them. Even though very disappointed by this I still would like to learn why and improve my credit.

In a nutshell: Discover Card closed my account--which was in very good standing with no late payments (perhaps ever? At least no late payments in the last few years)--because I didn't send in a copy of my Social Security Card and some other information even though I was in another country at the time! No explanation, and the warning came with very, very little time to do anything about it. I got the information to them as soon as possible, and they just closed it down.

May 24, 2018, I made an online transaction, and just to confirm that the transaction went thru, I called Discover Credit Card company. They informed me that, “No the transaction did not go thru, and that I should go to the physical address to make the transaction.” So I did, using another means of payment. However, when the bill cycle came, the online transaction did go thru, and therefore left me with a big credit card bill. I spoke to the supervisor on the resolution dispute team, and they told me, they couldn’t do nothing about the big bill, even though they gave me the wrong information, and therefore created this headache. Don’t know what to do, but pay the bill... So frustrating.

Not only are the rates outrageous (I have a card with less than half the APR), but it's obvious they don't want to help you with your credit rating. They are only out for the buck and how dry they can squeeze you. The customer service is totally lacking. They are not capable of telling the truth and of course, blame you for the high interest rate. When FICO scores go up and up, interest rates are usually adjusted. When they won't do that, it says a lot about the morals of the company.

I have been with Discover for over 20 years (that is, Discover has 20+ years’ worth of my credit history) and had a Discover Card that had a $29.000.00 credit limit on it. I then was divorced by ex-wife and was left with an empty house that I needed to refurnish. I stumble upon an offer for a “Discover it” card that among other things, offered me a 5% cash back bonus on all purchases made in the first 90 days, so I signup online and was immediately approved for a “Discover It” card, thinking I will use that card to refurnish my house and get a 5% cash back bonus. THEIR OFFER WAS A SCAM, the most devious scam I have ever encountered in my 65 years on this earth.

I have Discover since 1995, I made a late payment 5 years ago and they are charging me 21% interest even though I have excellent credit. When I called they did not offer to lower the rate, except for new charges in one year. This is exploitative. Do NOT use this credit card.

I have been with Discover for 16 years, until one day a charge showed up on my card, I disputed, they told me not to worry about the charge. They credited my account. 3 months later, my card was recharged again... To make a long story short, I had to pay 345.00 dollars for something I didn't charge, I paid them off and REFUSE TO EVER USE DISCOVER AGAIN. They have lost my trust after being loyal this company for years. Never again. I am too afraid another charge will appear on my account. Customer service is terrible and doesn't care one bit about their customers. AMERICAN EXPRESS WILL ALWAYS GET MY BUSINESS. Never leave home without it. PLEASE STAY AWAY FROM THIS COMPANY. You will be paying for someone else's charge.

After submitting endless documentation for a chargeback, Discover Card favored the merchant because merchant did not submit to Discover any documentation and that means merchant not guilty of any wrongdoing, get a load of that. DON'T USE DISCOVER NO MATTER WHAT OFFERS THEY GIVE YOU!!! DON'T TRUST THEM!!! Get your Visa or MC but forget Discover, do yourself a favor. I thought they were great until the first chargeback in 20 years. Not worth the problem and they don't deserve my trust or endorsement. They cheat you on a chargeback. In order to get their merchants to push and accept Discover Card and grow their base, they will always side with the merchant. They'll let you down as a individual favoring the merchant!!!

I’m just really upset with the way Discover has treated me. I’ve had my card for years. It is the first card I opened on the road to building my credit. I’ve never missed a payment and never been late with a payment. I worked so hard to get my credit to where it was and it’s unreal how they just kick you when you're down. Life happens and unexpected expenses come up so there may be a time when your balance is higher than usual, but for Discover to close my account based on the balance of another is not okay. Especially for them to do so immediately after. They did not even allow for a period of correction or for things to be updated.

I had changed my account due to fraud. I did place Discover on the list for my bank, asking to push all on the list through. However, I learned Discover was not withdrawn. I also learned that Discover reported/told on me to the Credit Bureau due to late payment. Just know the payment deducted each month is more than the minimum due, if any. I will no longer be using this card, or any other card due to these practices. I will stick with my one card where balances are due each month. This is over. Thank you.

I became ill in January spending February and March and part of April in hospital. I notified Discover that my payments of $50.00/month would continue. They agreed and immediately started running and saying too little with high charges. Then Discover stated that they did not remember such agreement.

When completing an application for credit, nowhere in the information does it state that completing the application will allow their company to retain your personal private information for up to 5-years. It was only after I declined the offer, that I was informed that Discover would keep my personal information on file for 5-years! They asked for extensive personal information including my mother's maiden name, social security number, date of birth, in addition to the general address, email, phone number, etc. I understand the initial need for some of the information when applying, but it should be deleted if I choose not to accept or if I am rejected. At the very least, it should be stated prior to submitting an application. This needs to be dealt with legally! Please, check into this violation of personal privacy. Thank you!

I've been a customer of Discover for the last four years. When I first opened the account I had a zero percent interest rate. However, they do not seem to value a loyal paying customer. I always have my account set up on auto payment, so that I never miss a payment and always pay more than the minimum amount due. Discover took my interest rate from 0% to 24%, after the initial introductory period was over. Quite a scam if you ask me. Beware, if you use this card. Calling customer service to reason with them about lowering the interest rate will not work. So, now I pay 150.00 a month and 106.59 goes to interest only. The bad outweighs the good in their case.

So Discover kept sending me preapproved credit card offers. They sent me 14 to be precise and I finally gave in and applied just to be denied! I have good credit mind you. Why would they waste all that paper and keep harassing me just with the offers just to deny me?!? I'm beyond mad. So I have a ding on my credit from these **. BEWARE DO NOT APPLY FOR DISCOVER!!! THEY ARE FULL OF **.

Holy Toledo. Discover credit card is ridiculous! I CLOSED my account on May 3, 2018, yet I still receive statements that I have a 0.63 credit. A CREDIT OF SIXTY-THREE CENTS. Why they don't just send me the measly credit which costs more for them to print a check is beyond me, and STOP SENDING ME STATEMENTS? Every time I call, I get a stupid runaround about sending a check out and then "I won't receive any more statements". I am so sick of credit card companies in general. I only have one now and it's through my credit union.

My friend and I started a business and he made me an authorized signer on the account. My friend has been with Discover for over 6 years. The first time I used the card to buy supplies for our company the card was blocked which is understandable for the 1st time. However they made us call in a total of 11 TIMES AND COUNTING IN ONE DAY to verify that my friend made me an authorized signer. The ground level people were nice about it, but the higher ups specifically a rep by the name of Sheila was disgusting. Her attitude was foul at best. She lied about not having our calls on file even though before we were transferred to her the rep before said she had ALL of our calls on file.

I had a credit line of 10,000 and on April 4th, I called to check my balance. Through the automated line, I was informed that my credit line decrease to 500. This is called chasing the balance. I only charged 250 on the card and kept the card for emergency purposes only. I was never late according to Discover and my credit was near excellent. What kind of business model is Discover using by not informing the customer of decrease by letter or phone? This is really upsetting and at this point they refuse to reestablish my credit line even though I have been a great customer. This is a dangerous tactic that should not be utilized and I think it is illegal in my opinion.

Have been with Discover for 17 years. Had a credit card balance of $52 in March and paid $40 which is $15 over the minimum required. Received statement in April with a $12 balance. Did an online payment but forgot to hit submit button. Never received a late notice. Tried to make a purchase yesterday and card was declined. I was terribly embarrassed. Called Discover and told them I had overpaid by $15 the previous month. Obviously that didn't count. I have never in my life had a card declined and my FICO score is over 800. Bye bye Discover and bye bye to the other two accounts I have with them. They will never have a chance to humiliate me again.

When disputed with an online vital doc purchase, I provided all supported documents to show that merchant did not refund due to order cancellation. However after Discover CAREFULLY reviewed my case, they reposted the charge. After 3 months exhausting effort, I tried one more time with Discover. The CSR in dispute department informed that unless the merchant specifically agreed to refund X dollar in written, there is no way Discover can return the money! How ridiculous of this policy or rules! Most time, we, as customers, could not get those agreement from merchant, which was the reason we started the dispute through own bank! And if there is such an agreement from merchant, then what do you think we ever need to dispute at all? From this, I felt Discover does NOT value their customers. Most important to them is to follow certain rules to protect themselves. Bye bye. Discover. You lost me for sure and forever.

I've been with Discover for the past 2 years until I attempted to consolidate my debt through a third party and Discover saw that and closed my account even though I didn't push through the consolidation. I attempted to call them after putting in your information through the automated answering where to direct your call was never able to connect me. I tried calling them many times but no success. I finally paid them off. Still unable to get connected to anyone. I attempted to apply based on the approval rate through Experian with a credit score high 600s. Discover automatically rejected me not even "review of your application reply". I mean AUTOMATICALLY REJECTED! Geez they already held grudges to already block listed me in their system. What a waste of hard inquiry and waste of time. But I got approved for a lot better credit card that is WORLDLY ACCEPTED OVER DISCOVER.

On 01/04/18 I booked oversees vacation through Expedia, but because of snow storm in NY, the flight was cancelled. And Expedia promised me a full refund, but later on I found a partial refund which includes the flight and transportation, but not the hotel. Then I contacted Discover credit card dispute dept. and explained in details the case. But after 4 months, they settle the case for the merchant (Expedia) favor, and when I called asking for explanation, I was told the merchant is their client as well. The case was poorly handled, and the supportive documents sent to me were completely illegible to read or understand. Discover service is completely unacceptable and unsatisfactory to me in addition to poor customer service.

Credit card with Discover Bank closed due to ongoing fraud issues. A new card was generated, told it was delivered by FedEx, actually left at garage door, today at around 4:20pm. It was not there. Tried dealing with Discover to get some sort of resolution with their customer service people, fraud people, card protection people, to no avail. Of course no answers, no resolution. I spent 4 1/2 hours talking to various people within Discover Bank only to get yanked from one department to another, talking to many different people, put on hold for way too long. Had the same situation with another huge bank and after the same runaround, yank game, too many hours spent I decided to close everything I had with that bank.

When applying for my card, I was asked to join a live chat through a third party website, that Discover uses. They then asked for quite a bit of personally identifiable information and then continued to tell me whatever I uploaded to verify that I am a student wasn't working. After a 45 minute talk around and a very frustrated mom, we decided to call in. They tried to tell us their reasoning for asking for copies of my SS Card, whether or not I was living in a Boarding School, and other invasive borderline unethical PII questions.

This company suspended my card for no reason. I have no late payment and have been in good standing. I even signed up for automatic payment from my account and send more and the only thing they say is it was a business decision. I fill like I have been single out.

I was a member since 1989 with Discover and I have cancelled my account with them 2 times. I gave in and allowed them to convince me to reopen my account. The 2nd time is the last. I was unemployed going to school and my car broke down. I called for a cash advance and got it. This was in 2010. I graduated and got a job the day after graduation. (Oh, I have worked all of my adult life and wanted to better myself within the workforce.) I was making regular payments but noticed my principal never went down.

Horrible situation with Discover. I had a payment plan with them for over 3 years with perfect payments. In the final payment, I was lead to believe that pushing out the last payment was OK because I was submitting to pay it off. However, despite having a pending final payment in their system 5 days before the due date, because the post date was later (again, led to believe by the rep that this wasn't an issue) they reported 30 days late. They were unwilling to help, because it wasn't the company policy to advise me that this event would be triggered by my changing the date. Now I don't qualify for a home loan that I've worked 3 years for. They simply don't care. Do not be fooled by friendly faces. They are not out for your interest.

Unemployed due to company closing after many years of employment. Note: Have been a customer for Discover for 9 years. Called asking if it possible to work out a lower payment or interest rate. I was told there are no options.

I opened an account and listed another person as an authorized user on my card. After about a year, I noticed the person never used the card, so I called Discover and asked them to take the authorized user off of the account. Fast forward over a year later when I find out that not only did they not take that person off the account, but they took me off the account and the other person is not the sole account holder. They contacted this person because a payment was late and the person created a fraud investigation because they thought someone had opened an account in their name without their permission. Discover totally messed up this time. We are trying to get it fixed but we are having the hardest time.

How is that if you don't even have a Discover card, some moron at your office can send for payment from my bank in such a way as it goes through? Several times over the past few weeks, someone has been paying their bill with my checking account. I have corrected it at the bank and will do so again tomorrow for the new erroneous taking of my hard earned money. You folks need to get your act together and I will NEVER have a Discover card because of this!

Discover card offered me a lower interest and 0% interest on balance transfers and dollar for dollar match of rewards earned after my first year of earning rewards. The online app process was flawless and approval granted within 20 seconds of pressing the submit button. Offered a generous credit line of 5k so I can transfer a balance and get my car repairs paid off quickly that I had to charge to a different CC but the interest on the other card kills me so I am excited about getting this paid off. I originally applied to BOA who denied my request, which was a joke given I have good FICO of 750, solid income, and only 1 out of 6 credit cards that carries a balance, which thanks to Discover, will be paid off soon due to the 0% interest for at least 12 mo on balance transfers! Anyway, thank you DISCOVER!

Do not get this card. I deposited $700 to get a pre-paid card. I have been using card for 9 months and making payment monthly when I use the card. I received a bill for $689.00 and made a payment for $189 on 12/27/17 on 01/06/18 tried to make a grocery store purchase of $17 was declined. When I called Discover said there is a hold on my $189 and it was not applied to my account yet!!! There a eight business day hold on my payment. So, Discover has $700 plus my $189 which means Discover has $889 of my money and I only have a $500 balance. You will not have use of the money on the account and your credit score really does not improve if you have anything negative on your credit report. Not a good pre-paid card.

I have had a Discover Card credit card for 17 years. Having been with them so long perhaps it is shame on me but recently I've noticed their lack of solution, customer service and peppering me with text messages of ads, even though I have asked them to stop. On the phone they can seem nice like the commercials but they do not provide resolutions. I got an email from a Mckay and then Sabina but neither got it done. They talk the talk in their TV commercials but the delivery and execution of actual execution shows that they are blowing smoke up our ass. Discover needs to actually listen to their customers and provide solutions. Don't just thank us for contacting them and choosing Discover but be truly authentic and provide real solutions.

I really do not understand all these negative reviews about Discover card. I have been with them for 9 years now, I have two cards, the Discover It and the Discover Chrome. They are great when you have a problem and I can understand them on the phone, unlike other cards where the accent is so heave I have no idea what they are saying. From what I gather on all the negative reviews, it is mostly people who mismanage their account and then blame Discover. All you have to do is be reasonable, pay your bill on time, don't go over your CL, and do any disputes on their website like I do. They are always fast to respond and they are very friendly. I love my Discover cards and you will too if you maintain your accounts properly.

I opened 10/2014 during a time of re-building my credit. Over the past 3 years I carried a balance, made every payment on time, and paid more than the minimum required. In those three years I was able to raise my credit score almost 100 points higher than when my card was issued. I was able to finally payoff my entire balance of $1300.00. My intention was to keep a zero balance but keep the card as a safety net till I built up my savings again. I find out 1 month before Christmas shopping season that I was no longer worthy enough to be a cardholder. I was punished by them for not carrying a balance. Be careful if you are someone that depends on this credit line, they treat a pay off as a negative. Credit One bank raised my limit as a reward for paying off my balance with them. Who treats their customers better????

I contacted Sears for a new garage door remote control and told them specifically what system I had. They sent the wrong item. I tried to send it back but they wouldn't send a shipping label. Then they sent the right product. I tried again to return the wrong product. They sent me a label to return the right product, which I wanted to keep. Then they told me I could return it to the store. When I went, the store refused to take it back. I asked sears again for a shipping label. They sent the wrong one again. After that, they said there was nothing they could do. I documented all the chats with sears, sent them to discover and said I would not pay for the wrong product that sears would not let me return. Discover sided with Sears, saying I had to produce proof that I had returned the item. How can I return it if sears won't take it? Apparently discover cannot comprehend catch-22. Anyway, Discover sides with the merchant, not with the customer.

I just can't believe, I'm amazed by the genuinity of the customer care and how they make your life so much easier. After my recent experience with hurricane Maria losing everything I not only never had to call Discover to ask for help, they had already set my account for a 3 months grace period to start paying them again from the catastrophe, then without me having to contact them, they set another courtesy one month extension until January, 2018. They have just called me because I am slightly above my credit line which is 5,000 and they even offered to place a $20 credit to help me balance that out just because they want to show their appreciation.

Attention viewers, I am making a complaint about Discover Card. I want to file a complaint on my credit card Discover for being completely dishonest and for not following through with how they were going to help me a Bait & Switch merchant; they (Discover Card) basically conned and lied to me. I called and made a dispute on a television to Discover that I decline to accept when I got a receipt on free shipping I made online through a merchant. But 2 hours later I got a call from the TV merchant. They wanted to add $388 more for shipping. I said cancel order right now and they would not but they call me (the merchant) to ask if I would approve to $388.00.

I was minding my own business one day, when I received a letter from Discover Card asking me to PROVE my citizenship… REALLY? I threw the letter in the trash and went on with my life. I have a CC account with them for over 10 years – no late payments, ever. Suddenly, the calls start coming in. Most do not leave a message, one caller hung on breathing into the phone until the machine cut off. Twice, a message was left urgently stating for me to call them back… Something about “security.” So I call back, thinking I am going to be told that someone is trying to get an account in my name, or that someone tried to use my card #... Something to that effect. No, I was asked a litany of personal questions, which immediately raised a red flag.

I opened a Discover Card to take advantage of their lengthy interest free time period on balance transfers from another credit card and in fact I have had no interest charged on that balance transfer amount. I have also been using the card for regular charges at stores, restaurants, GAs etc and have paid those charges IN FULL each month. However interest has been charged on those amounts even though payment was made in full by the due date. When I called to inquire about this I was told that if you have a open balance on a cash balance transfer you lose the interest free period on regular charges. In other words you will be charged interest on regular charges FROM THE DATE THE CHARGE WAS MADE even if the regular charges were paid in full by the due date. Be very careful when deciding whether to open a Discover Card. It is not as consumer friendly as they would have you believe.

My account was closed "inability to pay" when my balance was Discover owing me 180.00. My rewards removed. After hours and transfers they admitted that they received email that I was dead. After another hour on the phone I received a message that a credit report was causing a problem. The death department told I would have to be transferred to another... I said close my account, send my refund and then all of a sudden my rewards disappeared. They were in cahoots with Equifax and did not care about their millions of customers because losing one did not matter.

I have to tell you that I am insulted by this. I have paid my bill without fail, since opening this account. Two years ago: YOUR machine reader debited my account incorrectly... that was FINALLY resolved, and my 'late charges' 'forgiven'. Three months ago, your COMPUTER PROGRAM stopped sending me invoices... for some random, stupid reason (...address unverified... WTHeck???). And, now, you send me an email with the verbiage: "This is an attempt to collect a debt and any information obtained may be used for that purpose." REALLY????

These guys will decrease your credit line with no notification whatever no matter your payment history or balance. I called and FINALLY got someone on the line I could halfway understand and she informed me it was because I had too many inquiries on my credit report. Sorry. Nothing we can do. I am going to pay the balance on this card and use it once a month for a Dr Pepper and a bag of chips. That's it. Oh and I am going to insist on a paper statement. Dropping the electronic billing as of today.

I am currently unemployed and have fallen behind on my payments. I reached out to Discover, via their live chat service, in order to arrange a payment plan. At first the representative, Raquel, told me that nothing could be done and that payment was due when it was due. I asked to speak to a supervisor. She says that she is an "account manager." So she refused to let me speak to her supervisor. Then she says I might qualify for a payment program. She asks a lot of redundant questions, I say yes to everything, she confirms my bank account number and social security number. I'm good to go. Then I receive an email saying that if I don't make a payment I'll be sent to collections. There's no mention of the payment plan. I wasted my time setting up. Do not waste your time with this company. They are incompetent and have no sympathy.

Been a good customer for 2 years. Never missed a payment, mostly paid 2 times a month and always more than basic amount, then I took cash out, used it for a trip, paid it back in 1 week as well as 1500 in payments, then I try to use card. It gets declined. I call to find out why and they penalized me for the cash advance and lowered my credit limit without notifying me. Luckily I was not on vacation at the time otherwise I could have been in trouble. I called and talked to 3 people and none would help me. Stay away from these people. They are terrible.

I asked to pay the card off in full. Customer Service gives me an amount and I pay under 1000$ to close account. 10$ charge shows up. Each person I speak to has a different source for this charge. I pay it. The following month I get a bill...10$ charge again. I now have a late pay on my credit report. I call them again. Can you please help me clean this up. My credit was perfect before I got this stupid card and used it for 'one month' and attempted to pay the bill in full!!! No one mentioned any charges pending or interest fees or anything else. Ironically, Discover owes me 30$ in rewards! Their credit department says... "sorry, we can't tell the credit bureau anything other than, you were late paying this charge." I love how hard these companies work to get your business and how easily they're willing to let those same customers go. I have 4 other cards and I have NO issues and they work with me whenever I have a problem.

Purchased a new TV, approved for 6500. Through company finance promotion. Rest was charged to Discover Card. One week later vendor decreased price $1000. I requested price match. It was approved. Television vendor canceled original sales order. They created a new sales order for $5995. I requested Discover Card to be credited with original charge. Company agreed to refund amount to Discover Card. This never occurred. Filed chargeback with Discover. I provided both sales invoice as proof. Discover sided with merchant. Discover Card canceled by me.

I took $10000 loan from Discover card at the fixed interest rate of 9.9%. First and second month interest amount was $82 and $66. But third and fourth month interest goes up to $95 and $107. I am making payment on time and interest rate is 9.9%. Fixed interest amount suppose to be lower down every month but dumb people does not want listen anything. NEVER TAKE ANY LOAN IN FUTURE.

A card was opened in my name without my permission. $5000+ worth charged up in one month. Fraud dept was empathetic at first. They confirmed the fraud but are holding me liable for the amount anyway. Then to top that off I received a nasty default letter a week later. I couldn't even talk with an acct manager because the acct was closed for the fraud investigation. So first I'm being held liable for something I didn't do and second I'm getting nasty default letters on an acct that couldn't even be accessed during the investigation.

Discover Card is honestly the worst credit card and customer service I have ever experienced. I had been a member at Discover for over 10 years. During that time, I had never made a late payment, always paid off my balance in full and maintain an excellent credit score. On 8/31/17, my card was shut off. I received a letter in the mail two days later that Discover had "closed" my account. When I called to inquire as to why (several times), I was told that Discover "could not tell me why" and to "write a letter to Discover's headquarters." This is 2017. There was no reason why my account should have been shut off, and Discover couldn't/wouldn't even tell me why. On top of that, I had over $50.00 in cash back that was apparently, automatically revoked.

I foolishly signed up for a trial of a product Gain XT after reading an article in ESPN with them endorsing it through a sports writer. It was free but I had to provide a credit card to ship the product which I provided my Discover. The ad said 1 month trial and you don't need to cancel. I was billed 14 days later and monthly until July. Calling monthly to cancel and request a refund. I disputed the charges with Discover in June and the company did it again and billed my account in July. I did not send the bottle back in July to see what would happen. Discover sided with the company. This company is called Rippedx on the Discover transaction report.

Only applied for this card due to the fact my child's daycare only takes Discover. I have an 839 Fico score with my house being paid in full. Applied online and received a call from Discover saying I was approved with a $7,000 credit limit and all they need is a copy of my Address and Social Security card which I had to e-mail (which first of all is scary over the web). I reluctantly sent the info over the web and then they sent me a letter saying I was not approved due to not able to verify app information.

BEWARE! DISCOVER CARD DOES NOT PROTECT THE CLIENT/ CARD HOLDER - ON 11/23/16, I had a online buyer of a ring make a payment to my Discover card of $3400. I spoke with rep of Discover and was instructed not to give the ring until his payment cleared which would take 3 business days. Well after 5 business days I spoke with another rep and recorded the call. I asked him if payment had cleared and he informed yes it had 2 days ago. I then asked "is there any way in hell for this buyer to be able to take back this payment?" His Answer "NO MAM NOT AT ALL, The money is already in your Discover card account." I said, "then I can give him his item and be assured he cant take the money back???" He again Said "YES MAM. As a matter of fact you're over you're now PAID IN FULL and have extra money on card. Therefore would you like us to send you a check for that balance?" I said Sure.

I've been trying to cancel my mom's Discover credit. My mom passed on 7/21/16. I've provided to Discover the death certificate, will and court order for estate. They won't cancel the card and want me to go through the process again. Don't they understand it's a difficult time when your parents pass away? My dad passed on 4/22/16 so it's been a tough time.

Discover keeps losing my payments. I sent them two checks and they seem to have lost both of them. They also keep charging me late fees. When I call them they say they give me the runaround and keep telling me different things. I am really frustrated with them and after I pay my next credit card bill I am done with them. I will never use that credit card again.

I noticed my bill wasn't going down even though all payments are on time. How could that be? Oh!!! My APR is at 27.99% after 15 YEARS!!! I called to find out what happened and what I can do (previously had no balance but after buying a home I have carried a small balance). First Travis tells me I had one late payment back in 2013!!! So then the "supervisor" Derek said that it is AGAINST POLICY TO CHANGE APR ON A CURRENT BALANCE! This is disgusting. So after 15 years of credit card use and PAID loans I will never ever ever ever use Discover again. Sayonara!