Discover Reviews

I just became a Card Holder with Discover this month. I set up my online account and found out they did not list a due date. I was concerned because it is extremely important to know the due date so you are not late on payment. Everyone should know that if you are late on Credit Card payment they have the legal right to penalize with excessive interest and fees. I called and spoke to Jill. She said the due date would be the 20th of each month. I said okay, then please email to confirm this and she said she could not do this.

I have had a Discover credit card for years. I had identity theft some years ago and Discover was all over it. I opened a Discover checking and savings several years ago and I feel very protected through them and they are very accommodating to my needs. Plus they give you a dime for every bill you pay through them. Anytime I have had to call customer service I get a person and I can understand what they say. Good business.

I filled out application for Discover card, I have a high credit score. Man named James said he would text me and for me to let him know if I got it- -I am legally deaf, no text, use e-mail. I told him he can't text me, his answer, "well we have to talk to you." I have other credit cards that I have never "talked" to anyone. Why is Discover so predigest? I told him I can only e-mail, that I have landline. So after "I must talk to you" I told them never mind. Other companies out there to do business with. Very predigest to deaf people. NOT worth the problems just because I can't hear, not right.

So Discover has been running commercials saying get your free credit score from them. Well I tried it out because I wanted to know what my FICO score was. Well they are correct it is free, however, they make you fill out a lot of personal information in order to get the score. Well they only do this because apparently it's their way of pre-qualifying you for a card. Since I did the free score I have been getting approval letter after approval letter stating I qualify for a Discover Card. Apparently they are hurting so bad they are tricking people into getting a free score. I will never get a card from them and I am sure they will never stop sending approval letters...

This is a warning for all Discover card holders. I was charged double for eleven transactions ranging from $9.72-$92.22 for a total of $376.17. The eleven disputed transactions went off my statement and I was given a temporary credit. The original charges remained. They had several boxes to choose from on the online dispute form none of which applied to my situation and none of them being other. So I chose the first box that I believe said did not receive goods or services. Which in a way was true as I didn't receive double the goods or services. I only received them once and was charged twice. In the additional comment box I stated that this was a duplicated charge and I had made one charge but not two. Discover then starts adding the charges back on if the vendor doesn't give the money back.

I've had this card for 30 years and have used it for travel, shopping, gas and a lot of other purchases over the years. Recently, I bought furniture that when unpacked, was damaged and of poor quality. The retailer stated I had only 24 hours to return it and it was past this time. I put the almost $500 in dispute. It took Discover more than 4 months of back and forth, charge added back in, deleted in my favor then ultimately back on. Requests for documentation were handled inaccurately, even after multiple requests. After 4 months there is no chance that the retailer will take this item back so I will pay for it. However, I will be closing this account due to the absolutely poor customer service and lack of responsiveness on Discover's part.

I was sent a letter that I did not claim a charge off from an account from Discover from 2007. After my husband passed away in 2007, I notified them. They did not contact me again until 2013. In 2017, I received a notice from the IRS that I owed on my taxes for 2015 because of a charge off for a Discover account. I was asked by Discover to submit 3 signatures and a copy of my driver’s license since I was disputing the account. I received a letter and they say that they have no written records and only have computer records. I am having to pay the IRS due to them not having records. They say they sent the 1099C and that it was returned to them. I cannot do anything and will be pulling from my pension due to their poor practices.

Something happened today that I feel needs to be aired out there to give everyone some insight into how low some businesses will stoop to get our attention, and our money...and hopefully will prevent someone else from being tricked. My mother passed away about a year ago or so. She and her family are from Illinois. My bday was this past Friday. This evening, in my mailbox, was a beautiful blue envelope with what appeared to be a bday card inside. Both my address and the return address were handwritten...and the return address was from Illinois. There was absolutely nothing on the outside of this envelope to indicate that it was a marketing piece. So, naturally...I had a big moment. I thought… OMG. My mom must have given this card to her people to send to me for my bday before she passed. No way to express how touched I was. Made me really tear up.

If you carry a purchase balance and a balance transfer balance the minimum payment goes towards the balance transfers first not your current charges so you are charged interest on your purchases. To make it even worst if you have more than one balance transfer and they have different interest rates your payments go towards the highest rate not the transfer expiring first. They offer you a longer term at a higher rate but then you end up paying off the longer term first causing you to pay interest on the short term balance. They never provide you on your statement what you need to pay to avoid interest charges. All my other credit card companies don't operate like this.

Please reconsider and do your research if you're considering a Discover Credit Card. Horrible service!!! They "compromised" my card 3 times (resulting in a new card each time and two I never received even though they cancelled the first card). Looked at my account and saw 3 cards plus received a mailer for another different type of Discover card. All appeared active and I was given the option to 'freeze' any of the cards. Promised a new card in 1-2 days - 3rd I called and they told me it was never sent out so I have to wait another 2-3 days to get the replacement! Forget it. I have AmEx and will start using that card for everything...

I was paying Discover card and all the sudden something came up and I had to stop paying them. Of course it went into default. I called them and asked if I could get a little time to find a loan to pay off the $900.00 I still owed them the said no. That they had already sent it to a collection agency. Well I received a letter from the collection agency. I promptly sent them a letter stating they are no longer need, and I will only deal with the original lender. Then all of the sudden I find out that they are suing me in county court for $900.00 that they say I owe them. Discover SUCKS and please tell everyone NOT TO USE THEM!!!

I applied for a school. Called a while back I decided to go in the Discovery score card that I established to see what my FICO scores on now since I lowered the balance on all my accounts. I tried to log in with no success 3 times. Finally I was thinking okay I have maybe the wrong password. It does happen because my email is the same and of course this window comes up indicating to put in certain information which I did just to recover my password. No such luck. I did it 5 times so I feel you really can't trust Discovery Card too. They are not honest about the credit score. I think they do this for their own purpose to see which customers they can grab for their credit cards. So what good is the credit score when you can't get in it. I tried everything. I give up.

The approved credit line was not the actual credit line I was permitted to use and there are no late or missed payments. This credit card is the worst and customer service representatives are rude. A block was placed on my cash advances after I took out less than half the permitted amount. I called to verify non fraudulent activity to no avail. The block was replaced for no reason at all. Why give out a credit card and not permit the user to use it? Can't use credit card or cash advances although no late payments. Company states it is a new account. Well so what? Why approve the amount then take it back? Get a Bank of America credit card which is much better and has better customer service.

We have had the basic Discover Card for almost 30 years. We never had a late payment except last month. The bill was due on Memorial Day and payment was mailed 10 days before. It was not posted until the day after, May 30. Their commercials say that there is forgiveness for one late payment even though the delay was likely caused by the post office. They slapped a $25 late fee on the account and raised the APR to double what it was before this. Our credit rating is over 800 and the payment arrived the next business day (or was posted then). When I called to complain they said I could either accept the terms or pay off the balance in full and cancel the card. There is no loyalty with this company and their commercials about one late payment (in 30 years in our case) is totally false. We have yet to decide what to do, but the APR is much too high to continue when our Visa card is half of this new rate.

Discover has my transactions available to see and download daily. I've had two cases of fraudulent activity and both times I've received a text from Discover with an easy "yes I made this purchase" and "no this wasn't me" response options and then been able to contact a representative within seconds. Discover not only gives me rewards (even at 1%), but it also makes me feel much less vulnerable and much more supported.

This is by far the worst credit card I've ever obtained. When I applied for the secured card, the "fine print" said if you made a year of on-time payments, you will have your deposit refunded. I made more than a year of on-time payments and called to find out why my $2,000 was not refunded. All they could tell me is a "system" determines if and when my money will be refunded and there was NO ONE at Discover who could give me an explanation about why my deposit was still being held.

Have always had good experiences with Discover and always pay my bill "on time" so when I called in to use my rewards they got ADDED as a charge instead of credited. Called in and they were taken off so now my original rewards are in La La Land and I am told they cannot update again until the end of the month... Maybe the 23, and may not see it until the 25th. I keep getting the runaround so in other words my original rewards are just GONE.

New with Discover and what HELL this is for a company!!! How do they even function? Their fine print says that they "use" contractors and "agencies" to do their "business". Hmmm what business? Discover (undercover) also says you can make cash payments on your account at Sears Stores... oh yeah? Well go and find one! Many of this Chintzy company are local owners and "haven't processed a cash payment in 2 years"! That's a quote! Call any store and ask for "credit" just to get to a person re; your account. Guess where that send you? The PHILIPPINES!

On May 23, 2017 I called Discover card to make a payment on my credit card account. The young lady verify my information then attempted to apply my payment. After she was done she call me someone else name. I told her that's not my name and she said oh she was sorry she had put up someone else's account instead my banking information on their account. She did not make a note on my account that she had made a mistake and put my information on someone else's account. I didn't find out until the next day when Discover try to take now nine thousand dollars out of my account versus the 4500 that I wanted to pay on my account. I call Discover to tell them what had happened because I only saw the $4500 on my account not the nine thousand that they were taken from my bank account.

I am a full-time college student, and got this card believing it would fit well with my Chase Freedom Unlimited, Capital One and Barclay cards. I checked into a Springhill Suites By Marriott on May 29th. The room was a disaster, to the point the General Manager comped us for that night's stay. We checked out the morning of May 30th, was given paperwork with everything zeroed out. When I checked in, I accidentally used my DISCOVER CARD instead of my Chase Visa. Huge huge mistake. The $40 incidental hold put on by Marriott on check in was released at check out. DISCOVER intentionally left the "HOLDS" on the card, refusing to release that $40 hold. DISCOVER blamed Marriott, but my Father knows the CEO of Marriott and Marriott Headquarters confirmed there was "NO HOLD" on my account.

This is by far the worst credit card I've ever obtained. They lowered my credit limit because they felt like doing it, without taking into consideration the customers' credit impact this will do. I've never been late, had a decent credit limit $1500 and they decided to lowered my credit limit to $750. What a load of cockroaches! Closing account immediately, I don't need to do business with such predatory scum bags credit companies!

DirecTV used my Discover card numbers that were on file to charge for three (3) Receivers, which by the way were returned to them. Discover paid the bill then charged me for reimbursement. Sounds right so far, correct. But the kicker is DirecTV sent three (3) credits to Discover and now discover wants me to pay them?!! I'm writing this solely to ConsumerAffairs in hope that they can straighten this out with Discover. Thank you.

Have been with them since 1986. They have several incompetent employees, including the top level of the COMPLAINT DEPT. When I'm sent text msgs showing I have been charged twice, I find it despicable that they are NOT equipped to issue a Notice of Reversal of the duplicate notification. When I asked for clarification I was met with unpleasant belligerent customer service. They swore they cannot send an E-mail or Text, so I could have written confirmation that I would not be liable but for one charge. The complaint Dept THREATENED TO BLOCK MY PHONE CALLS IF I KEPT CALLING. Really shows their lack of efficiency, incompetent help, lack of customer concern. They lost any respect I once had for them. They act like they are the only card company available. Well, I have news for them - THEY ARE NOT!

When I apply you credit me 4000$. After 9 month I was checking my account I notice that my credit was only 2000$. I call the company. They told me that I have bankruptcy that's why they lower my credit. Was so upset I only use 1200$ and I was paying 100 to 200$ a month payment. I close the account. That was not nice to do that. I will never reopen with this people again...

I’ve had a cc with this company for about 12 years and they kept increasing my credit limit. I received a flyer offer for a low interest rate personal loan. I thought that would be good to pay off some other credit cards that had over a 30% utilization to help my FICO. After filling out their online info they said to call a specialist - I did so. He asked questions and I answered. He mentioned that he would like my tax returns to verify income. I told him that I do not, under any circumstances release my tax returns and he said, “No problem, bank statements would be fine.” Then I sent the bank statements in.

It looks like this is the company with the most predatory credit practices compared to some others. In one year my interest rate went up 4 times, no 45 days notice, no default, no late payments. One dispute, was given to an intern, dragged for one year, 7 documents uploaded on their site, resulted in merchandise favor.

Very disappointed with this company. I actually thought their customer service was very good the past year with their credit card. I received an offer for 0% interest for 12 months with a credit limit of $5000. And I learned that I would have to pay the minimum amount due every month to avoid a late fee... And interest. So I did that. Today I was ready to pay off my account balance before the 12 months expired and... They've been charging me interest the whole time!! I feel very strongly that I was deceived. I've been very good at paying the account balance off conscientiously over 12 months with the minimum due monthly and in the end they screwed me over. I'm done with this company.

Paid off my credit card in full and closed the account. Almost two weeks later an interest fee was on my account. This company sucks people dry with all the "fees" they have and they will not work with you. Extremely poor customer service.

Discover Card recently sent me a letter that my business card was being cancelled for lack of use. I called and explained that I never received the card. They had used my address from 7 years ago... How did they send me the letter to the correct address? Mind you, I have a personal card with heavy use and my correct address! I went all the way to the top and they still want to close down my business card, despite 800 credit rating and excellent payment record. I am cancelling my other card as soon as I can transfer my auto payments over but as of today, I will no longer make any new charges on the card. Extremely poor customer service and failure to understand the situation. If I did business like that, I would be bankrupt! Shame on you, Discover!

Tried to check Discover CC acct. and found a message that our Savings account was locked down due to 'potential' fraudulent activity; balance was not visible on the website and the message indicated no transactions could be made until I called the number included. Spoke with a rep. -- he went through the 'security questions and after several questions I was informed that I 'failed' so would have to mail DL and SS card to Discover to unlock the account. Told him there was no way I was sending a copy of my SS and DL through the mail. Called back, hoping to get someone with more information and was told we could upload the info through the Discover website; tried and that failed. Only explanation we could get was that the website was down. Took 7 attempts for it to go through.

On 2/24/2017, I initiated a dispute with Discover Card Services over a purchase that I made as I was having an issue with the merchant. I contacted Discover to initiate a dispute and everything that was told to the representative was not placed into the dispute. Instead the representative initiated a dispute that was totally the opposite of what I said and the information I provided to them and if they record they calls like they say they do, then they should be able to go back and hear what was said. This is the second time that I have had a problem with how their disputes team handles disputes. I will not be doing business with them after this is all said and done because this is not good business and they do not listen to what their consumers tell them. I should not have had to call in to them to find out that what I said and what was written was totally wrong.

I filled out the form – they made a hard hit to my credit to discover I had excellent credit. They asked me for information over and over again - multiple times - kept sending me emails requesting information even though I made it clear I did not answer emails from banks or any other billing or credit institution. One week later they still had the same questions to ask again and still had not approved my credit. Money is one thing but time you never get back and they were a complete waste of my time and energy. I told them to stop all processing on my card that I was no longer interest. People respect yourself - respect your time. Never let any business, person, place or thing waste your time. I discovered Discover Card was a total waste of my space and time.

I have had my Discover Card since 1995. While checking my credit score, I noticed my Discover account was closed which affected my longest standing credit history. I spoke to Customer Service, he could not trace ANY evidence of notification (email or mail) after. I asked to speak to supervisor. When I spoke to the supervisor, she informed me immediately that a promotion had been mailed to my address and since I did not take advantage of that promotion, they closed my account: a promotion is not the same as a notification that my card would be closed. I never received that promotion, either. I felt they were covering their mistake and falsely putting the blame on me.

After reading other reviews I realized that my experience was not unique - a lot of people reported similar problems with Discover. To state it simply - it is a company with the most predatory credit practices compared to some others. They start you early - as a student you are likely to get your first credit card from them and they become your BEST friend. While you have a job and stability you are fine and they will be happy to give you access to credit... only to wait until that moment when something goes wrong in your life, a possible financial hiccup or hardship. Then they cut your credit limit, destroy your credit score, increase your APR (to the highest ever), keep feeding off you or close your account.

I am completely unhappy with Discover. Discover FAILED to notify me in any way that my debit card on file had expired so my automatic payment did not process. They notified me by phone that I had "missed" a payment but not until my account was 70 days delinquent which then dropped my credit score. I called Discover today to get this rectified and they told me they sent me emails regarding this situation... Well I NEVER received one email about a "missing" payment. I am in the middle of getting a consolidation loan and because of Discover's error, I am now unable to get the best percentage rate my Credit Union offers. I am so beyond frustrated - once my bill is paid in full I WILL NEVER USE DISCOVER AGAIN.

Discover credit card dispute process don't protect the rights of their card holders as other credit card companies do. I purchased a furniture in a physical store, and received a wrong item. Then I immediately returned the furniture but the seller disagree to refund me. I started the dispute process with my Discover Discover it customer service. Two months later, they forcibly closed the case ruling I should pay the full amount even the furniture is returned. Can I give a 0 rating to this rogue bank?

I have 10 credit cards with different companies and Discover savings and credit card. Their customer service is the best hands down! They are available 24/7 and reaching a live, English speaking (American) person who is professional is always a plus. They are great!!!

I have several credit card accounts. Most of the credit card companies provide excellent customer service. If there is a problem, they make every effort to solve the issue. However, Discover Card customer service is the worst I have ever experienced. I wouldn't recommend Discover Card to anyone.

Prior to considering doing business with Discover card, you should check with The consumer financial protection bureau. There have been numerous complaints regarding Discover card, and their practices. You will also need to check with the Better Business Bureau's in Delaware (where the corporate office is located), and Illinois with the business office is located. They have been many, many, complaints submitted at each location. Recently I purchased furniture from Value City Furniture. The sofa was returned to the store due to the high toxic levels in the polyurethane foam in the sofa. The store has picked up the sofa, and has Refunded the money to Discover card, but Discover card refuses to credit my account. So, I have no sofa, and Discover card is trying to cheat me out of $2000. Buyer beware.

I use my Discover Card to purchase about $1500.00 monthly. I pay it off monthly and never carry a balance. I used the card to pay for a hotel rental in Fort Myers Beach Florida February 2017. The hotel was booked through Expedia and the hotel/condo unit that I choose was based upon the unit having a washer and dryer and the good reviews that were listed for the Harbor House. Upon our arrival we were placed in a unit without a washer and dryer. The condo staff told us that there were none available and that Expedia had not told them that we wanted a washer/dryer. Expedia offered us a coupon to use in the future and I choose not to accept it because it had to be used within a year and it was not adequate in compensation.

I had no problems with Discover until recently. I had been with them for a little over 10 years until they closed my account today. After my divorce my ex let a car go in both of our names and I was advised that I needed to file Bankruptcy like he had. The lawyer explained that I needed to stop making all payments on my card, so my fault I did for 3 months. I then decided I didn't want to be like my ex and I started paying them again. I worked it out with the two other cards I had to pay an amount to get it back current and then pay it off with my taxes. All but Discover would. They told me that I could only do the lock or hold on the account and it was still look like it was open but reduce the interest to catch up. I did this and then about 4 months later paid it in full. I asked for it to be reinstated and they refused since my ex's car was showing delinquent.

I made a purchase of a product part through a local vendor and used the Discover Card. Hours later I learned the vendor had charged me double against what I would have paid in several other places. The vendor refused to take the product back only hours after the purchase. The product was returned via U.S. Mail and acknowledgement of that receipt signed by the vendor. The sale was disputed by me but the Dispute department at Discovery ruled it a valid sale and would not refund the money (Over $380) in spite of the fact they advertised customer order and satisfaction protection up to $500. Although I was given a return guarantee claim number of **, nothing was ever heard from that again and they have since dropped that guarantee offer program.

Discover is always one of the first credit cards that students receive, due to what I can only imagine is an insatiable desire to screw students over as hard and fast as they can. I had no issues when I was paying my credit card ahead of time every month, and the one time that I had a bank payment bounce due to a stolen debit card, I was charged a fee that they refused to refund. This is all good and fine, until they put this bounce on my credit report as fraud. This ended up lowering my credit a good 60 points and on top of this they froze my account AFTER I correctly paid my Bill.

I have had a Discover for several months and I have used the card and paid it off several times. I had a 1600.00 credit limit on this card. I just paid off all my credit cards last month and I received an email from Discover saying they were lowering my credit line from 1600.00 to 500.00. So I called to see what the problem was and I was told that they had reviewed my credit and had to lower it. So I asked why that was because I had paid off all my credit cards and several other things since my husband had received a large settlement due to an accident. I told them that it didn't make sense because I have never been late on any payments or missed any payments.

I am writing this review with a lot of pain after going through the worst experience with Discover card. This is one of the stupid cards ever took in my life. Recently I made the payment of my bill on time and I was waiting for the same to reflect on the total credit line. Even after making the payment on time, they have not released the funds. I made payment on 23rd of January but they have not released the fund so far so that I can start using my credit card. I am new to the US and I want to build a credit history. Simply because of their technical issue, I am unable to use my stupid Discover credit card. PLEASE DO NOT GO FOR DISCOVER CARD. PLEASE GO FOR DCU OR ANY OTHER BANK.

Having had a Discover card since 1994, I kept getting application for the Discover It account. I applied and got a call about how much of my $16,100 credit limit I wanted allocated to the new card. I said a small amount believing that I had $15,000 on one card and $1,100 on the other. What does Discover do to reward me for my loyalty. (Never late/always paid on time). They close my original account. Removing my credit limit and tell me I can reapply for a credit line increase in 3 months. I'm furious -- how rude?? I've spent hours on the phone trying to get this resolved with all their "credit managers". This is a slap in the face.

My husband received a pre-selected application approval from Discover so I went ahead and read through the terms and fees and translated to my husband whom does not speak English but is a Resident. For some reason application did not go through specific needs more info, hr received the first call and asked to please be transferred to a Spanish speaking representative, was placed on hold then line cut off. Next day gets another call but this time the female representative spoke to him English once again and he repeats himself about someone speaking Spanish, she answers in Spanish and states in California the only language she can continue to process the application was in English. Never heard of such thing, my husband actually felt discriminated.

I am currently slightly over my credit limit by only 15 dollars, but for four straight months, I have been paying way more than the minimum monthly due, and it seems that the more I pay more than the monthly payment due, the higher the interest gets. It's like they never want my account to go back to normal account status. I thought that this credit card company was at least slightly better than the other credit companies, but NO WAY IN HELL!

I called Discover on January 16 and questioned the balance transfer procedure. The rep assured me that it would be quicker to let him do the transfer to BOA, rather than me depositing a check myself. I began calling Discover Jan 23, only to find out that they mailed the check, rather than do an electronic transfer. Upon calling BOA, I then discover that they also sent it to an incorrect address. BOA stayed on the phone with me and called Discover, waiting over an hour for some resolution. The BOA rep stated several times to Discover that the address was not theirs and they did not receive the check. She requested that they stop payment and electronically send the funds to them, only for the rep to continuously put us on hold and then coincidentally lost the connection.

Discover charges me a late fee nearly every billing cycle, they are getting my payments before its due and not opening it until after the due date. They told me they can charge me a late fee if they don't open the payment till past the due date. According the Consumer Financial Protection Bureau as long as they receive the payment by 5 pm of the due date they can't charge a late fee (This is known as "The card act"). Discover card has argued again and again that they have the right to open the payments whenever they want. I filed a complaint today with the Consumer Financial Protection Bureau 1-855-411-2372. If you have had this problem, please call and give a complaint or use their website to file a complaint. The more that people complain the more likely the government will be to come down on Discover for this unethical and illegal activity.

BEWARE!!! Discover card will decrease your credit line without notice or for no good reason. I have never been late, and have even paid off account. They decreased my credit line from $5500.00 to $1300.00, they said because I don't have a home mortgage. They are penalizing me for paying off my home and not having a mortgage. This is a SCAM, they are purposely doing this to hurt my credit score and to give other lenders reason to give me a higher interest rate. BEWARE of Discover, they don't care about their customers.

BEWARE... Do not do business with Discover! As a loyal customer of 30 plus years and having never had a late or missed payment in my entire life they refused an Apr reduction. It seems their main purpose is to take advantage of their customers rather than reward loyalty! Do not fall into their trap! When I requested instructions to close my acct they sent an email saying they closed it immediately. I will never do business of any sort with Discover again but they should have sent the instructions as I requested rather than close the account because they didn't want to hear from me anymore! And for the record my credit score is "excellent"!!

I have had a Discover card for many years. We have been loyal customers, which I found out only works one way. I called the card company to see if they could give me a better interest rate than 24%. I was told no. 3/4 of my payment was being sucked up in interest. I decided to pay off my **it card and take my business elsewhere. I called the people at Discover and told them to close my account because I had paid the full settlement amount. 20 minutes later I'm still on the phone asking to have my account closed, but Mr ** came then exclaimed the voice on the other end, we can do this and that for you. PLEASE PLEASE PLEASE close my account. They finally agreed. 2 weeks later I received my Discover card bill with 57.00 in interest charges for a account I asked them to close. This soap opera continues. Tune in next week.

Discover sucks! I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for $475. I initially filed the dispute because it was taking the appraisal company too long to send the documentation, even though as I have stated to you that I never needed the appraisal in the 1st place because I already had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way Reliance agreed to cover the costs as stated in the email that I sent. I get a notification from Discover saying that the case is closed and the merchants favor. I get this and call in on the week of 12/19 to reopen the case and it is a hassle to get the case open which I don't really understand. I am advised by your CSR to submit documentation showing that Reliance agreed to pay which I do.

After having a account since 1987 with Discover I must have recently missed 1 payment because I never got it in the mail. Snow or my husband death last month. I have over a 8.5 credit score. I called after receiving the bill today because of a extra $27 added on to a bill I never received. I didn't even know I had a bill. I never got bill or any bill for the last month from Discover. I called and was connected to a person called "Cody". I told this person named Cody I needed to know the charge, date and for what for. My husband died Nov 14, just 4 weeks before.

If there was a negative star for Discover, I would give it. After months and months (and MONTHS) of payments at exorbitantly high interest charges (20% +, they said they were "unable" to lower my interest fee), I finally managed to pay off my Discover card. Or so I thought. When I called and talked to an agent (who indeed gave me the hard sell on why keeping the account open was better) I was told they couldn't actually close my account, but merely "deactivate" it. By not actually closing my account, they create a workaround where they can still charge you just for having the account, because it never is actually closed, full stop. They continued to send me emails stating that I owed them $** because of quarterly fees. It took me at least 3 phone calls and 6 emails threatening them with legal action, before they actually stopped sending me notices.

So I was fooled by their $0 fraud liability policy. I was easily approved for their card (Discover it) and had the card for about a year. Suddenly, after 1 year, my card was lost and someone used it to book for a Skydiving adventure in Colorado ($435) with a scam company called RushCube. I live in Pennsylvania. I was promised by Discover that they would take care of it. I thought they were honorable...oh boy I was wrong. After their investigation, that did not include talking with me. They decided to hold me responsible for a fraud I reported on time and was no fault of mine. Because of their recklessness, my FICO has gone down by about 60 points (740-686 now). They still harass me with phone calls every day asking me to pay for the cost of the SkyDiving I did not book nor enjoy. Please be warned, Discover will not protect you. Run away from them as far as possible.

They put an 8 day hold on my card. They have never done that because they are waiting for check to clear. I made payment online, money has been gone for days now, won't release hold. This is a secured card - which means this is MY money I'm using not theirs - even if I sent them a bad check and it didn't clear they still have my deposit and all payments have cleared since having card. Long story short, I might as well get my deposit back from these people because obviously they take your money then take away your access to it and don't care. Support was no help.

Discover card needs to be shut down. I personally suspended my account 15 months ago due high interest rates on the part of Discover card. Obviously Discover card does not want its users to use it. I have had the card for over 20 years. Yet they have treated me like a deadbeat. I have never been late in 20 years. They refuse to release the card 15 months later. Once again I did this on my own. It was supposed to be released back in August. I have not been given a reason for the release after calling and writing the consumer finance bureau. I can only Assume this is discrimination against a single mother! We need to boycott Discover! Disgusting card and disgusting service! A web page for Boycotting Discover card!

Back in 2014 I was ok with having a 8k limit and was able to afford it. Then Discover card took it upon themselves without my consent or signature raised my limit to over 10k. I didn't want to use it but had to due to loss of job and health reasons. Then I had noticed they were charging me 25% on cash advance and 20% plus other undisclosed charges on my account. I had checked the 0% checks for 12 months and had not been even close to the run out time. All I can say I had canceled my account with them. Never was I ever late over 30 days but was a few days late on two payments and now they are calling me to say they want to help me and belittle me into taking a couple percent lower than what I'm paying now. That is a slap in the face when the other cards that I have had for over 10 years never overcharged me and they worked with me to be able to decrease my interest.

Discover chose to close my credit card account because I had not made any purchases on it. Yes, it had been over a year, but they did not even inquire as to whether I was simply choosing not to use it. They just closed it! So beware, if they are not making any money/interest from you, you too may find your account closed FOR YOU.

I saw an ad for a Sample a Wrinkle Cream. The ad stated they were looking for people to sample the product and that only the postage would be charged of a couple dollars. Request a credit card for the postage. When product arrived, I sampled it and believed it was the same as Walmart sells. At the end of the month, I received an invoice for my Discover Credit Card Charges. On it were two charges for $94.97 for the two different moisturizing products. My call to Discover was told they would remove the charges and notify the selling company. I received an email from Discover that the charges were removed.

I had a merchant DC Pro Movers fraudulently charge me and my fiance's card. They wrote an additional amount under the signed amount, under the line. My fiance had Chase Visa card and they ruled in his favor as did the courts. Discover ruled against me despite clear documentation that there was a manipulated charge receipt where the merchant wrote in an amount UNDERNEATH the amount signed for and underneath the original amount. I lost almost $1000 as a result. You cannot trust this card to protect your interests in a legitimate dispute with an unscrupulous, dishonest merchant. They will automatically take the merchant's side. This is incredibly dangerous because virtually any merchant who uses Discover can manipulate a charge to you and get away with it. I have switched to Chase visa now and one to close their Discover accounts before this happens to you.

I had a Discover Card Promotional 0% rate which expired on 5/27/16. The balance owed was $7010.00 at a 15.24% rate. An additional 0% rate expires 04/17. Once I use a promotional rate, I never use the card again for purchases. I have been paying well above the minimum payment, yet most of the payment has been applied to the Promotional rate, directly contrary to other credit cards (and to Discover Card's stated practice) of applying the minimum rate to the amount with the lowest percentage rate and anything above that to the expired rate. Consequently, I have seen the $7,000 amount rise to $7150.

Discover card denied my purchase of gas because I went on a road trip and didn't get their permission first. My credit score is over 800 and I have used Discover card for over 10 years. They let me use the card a couple of times in other states and then at a crucial time of my road trip when I was off my path in a very unsafe area, 9 miles from being out of gas, towing a U-Haul... My credit was DENIED at the pump. I called them, they cleared me after I had to "sign up for travel!" DENIED again! I called back, cleared AGAIN!!! I went back to the pump... DENIED again. This time when she said it was cleared, I kept her on the phone while I used it..."DENIED". So she went in and checked something and came back and confirmed that I can use it ANY PLACE ELSE EXCEPT WHERE I AM STRANDED!!! I can only guess why... We tried too many times and at their fault for that?

I was charged cash advance and I right away called customer service and spoke to Erin. I explained to him the situation that I was charged a cash advance fee when I made it as Credit and that I was not aware of the transaction being placed as cash by the merchant. I asked Erin to provide a refund as customer service since I was not aware it was processed that way. He denied my request and told me to call the merchant and have them refund me and repurchase the product again. I told him that was impossible since the transaction was already processed. He denied to offer me a waiver.

I have 7 Credit Cards, different Banks and a Discover card for over 15 months. I recently did a balance transfer into my checking account. After I applied online I got a call from their security department to make sure it was me who did it. The money was deposited in 3 business days. I have always gotten my rewards credited and to tell you the truth never had a problem with Discover or any other credit card companies. I also have my checking through them also. I read these complaints and I honestly do not understand them. I mostly do everything online any hardly have any communications with a real person. They make it so easy.

Repeatedly their online account has totally inaccurate information, charges are added with no notification or reasoning, each rep spoke to (total of 4 now) have a story completely contradictory to previous rep...nothing gets accomplished but wasted time, repeating the same story. DC is a chase-your-tail game with your MONEY. Stay away. Find another credit card. All their advertisements represent the extent of all their lies.

If there was a negative star, I would give it to CheapOair. I purchased a trip to Nairobi in July. When CheapOAir sent the confirmation, the information was all wrong. The ticket was showing that I'm departing from New York and returning to Nairobi. I called CheapOair thinking this was a small fix on their part. I didn't realize I'd be spending the next hour and a half with the most RUDE people on the planet. These guys asked for an additional $800 per ticket (an additional $2,400) so they could issue a return ticket, although I had purchased a return ticket from them. Thankfully, my esteemed bank, Chase, reviewed my case and got my money back from CheapOair.

I got an offer from Discover for a balance transfer, so I opted for it. In the last week of August I got a confirmation from Discover, saying the amount will be credited to my checking account within 5 to 7 days. It's been more than 3 weeks now. I even got a confirmation email saying the money is deposited in my checking account. When I call Discover they don't have any answer. Until now I didn't have any bad experience with Discover but this incident proved me wrong. I have to reconsider my opinion about Discover. They took the money from me, including the interest but didn't pay me a single penny. Not even a courtesy call on the status.

I have spent hours of my time trying to access my account information on the Discover website. It won't accept my password, and it is impossible to change the password using their website method. They send me a temporary password, and that is rejected since the password is 8 characters, and only 5 characters are allowed. Their telephone assistance personnel cannot fix the problem nor understand it. Their only solution is to send me a new credit card, which may or not solve the problem. Intolerable.

I have been a customer for a year now and honestly expected an automatic small increase as most banks do. I called when this did not happen. I also asked about the promotion I am in where I am suppose to get a match for the cash back I have earned from using my card and she told me yes I will but in about 3 bill cycles. That is nowhere to be found in terms so a big let down. I escalated multiple times regarding credit limit increase and find it ridiculous they cannot give you corporate contact information and also told me the non increase is to help protect me from over extending even though I have never been late on any payments with any companies and never made anywhere near just minimum payment.

I had the Discover Card. All of a sudden they doubled my minimum payment to "HELP" me reduce my balance. I was doing fine with paying my minimum and called them to question why they doubled it since I was NEVER late. It was to "help" me. If I could have paid "double" I would have. Since they put me in a situation that I could NOT pay, I told them I would have to file bankruptcy. They said "OK. Do it." And that is what I did.

checking a personal loan quote with this company and I got a credit inquiry. I called them and they said it happened.

I have been a customer and carried a Discover credit card for about 10+ years now. The interest rate was 24.23%. The day I opened an account with them and still to this day it is at 24.23%. Despite numerous calls I have made to ask if they could lower my interest rate and each time the answer was the same "NO!" and "for what reason??" I wouldn't know because they would not give me one. I have maxed out my Discover card at least 3 times with my lowest credit line being $1,500 the first time, $3,000 the second time, and 5,000 this last time. I have paid off this credit card 2 going on 3 times now. I also just made a payment of $3,000 within the last 4 months and close to almost every day. They will call my cell phone and work because I haven't made a payment for the last 2 months.

Discover card seems to be allowing outside 3rd parties in IL to badly handle Credit card fraud investigations. Without handling or crediting the FOUND FRAUD back to me. I literally sent full documented packages into their Security division (NOT KIDDING) at least 9 separate times with 17 copied documents to prove the account tampering and False billing and false statements received. I also made Inspector general complaints w/ the US postal inspector and found that 40 percent of these bills were coming from unrecognizable address on PREPAID envelopes that were NOT associated with DISCOVER.

I use my cards heavily for mostly business reasons. 68k limits across 21 accounts, and almost NEVER carry a balance unless it's some kind of a promotional offer or when I bought my Harley with my Amex that offered no interest for a yr, and like in this case... On vacation, May 1016, 8.2k in pendings across 7 accounts, (14 accounts zeroed) ALL perfect 10+ yr history, between 12-18% usage, Discover sent me an invite based on my regular iT card for the miles card. Discover gave me 5k miles card to start, June 2016, 22 revolving accounts, (new iT miles card) $6.3k balances across 5 accounts (17 accounts zeroed). One of those 5 accounts was the new iT card that had slightly over 1k usage first month, paid in full about a week after statement date as the others, but as I mentioned, my accounts are used for business reasons.

I wrote my check for the Total Payment of $924.58 - Nine Hundred and Twenty Four and Fifty Eight cents in the required fields on my check. When I received my next monthly Payment Statement I realized that it was more than the purchases for the previous month and there was a $14.74 interest charge. After my investigation of my Credit Union Statement and Discover Payments and Credits, I observed that the personnel in the Billing Department either made a blatant intentional error or an unintentional error of only charging a payment of $224.58. Two Hundred and twenty four dollars and fifty eight cents is not written in the respective field of my check nor is $224.58 is written in the respective field of my check.

I have been holding Discover Card for around 15 months now. Initially the experience was good. Though they gave very less credit limit, but that's fine as my other cards have enough balance. It has good cashback offers time to time. But one recent policy that they have introduced is ridiculous that an Add-On Card Member has to have SSN. First they do not communicated to me (or at least it never reached me). When I contacted for some information regarding add-on card then they acted and closed by add-on account. I am afraid how a bank can miss sending such important communication when they can send advertisements via P.O. Mail every week. Only justification for them is "We have mailed you the communication, you should check with your mail provider why you did not received..."

Few years back my credit's bad because of my roommate. Wrong time, wrong situation. But I learn from it. Early this year, my brother lost his house from a fire. I applied for personal loan at Discover card. Spoke with Criselda and explain the situations and answer her questions. Criselda is very informative, professional, yet talking to her is like talking to a friend about your troubles. We connect. I have a pleasant conversation with her. She gave me a chance, and that's all I needed. Now, my credit score is up. Every time I see my good credit report, I think of Criselda. Her persona is a must on every business to succeed. Thank you for helping me get back on my feet. And she also inspire me not to mess up.

Christ, when are companies going to realize the CONSUMER isn't the one who has to work on owning card. I had fraud alert and yet they want me to call and call. I WON'T do it anymore. I reported the fraud, and yet they want me to give more and more info. What the hell is their problem? I told them that I hadn't used card in months and their behavior in making ME do all the work, just tells me how bad customer service has become. WHY in the hell can't you email and simply report it. I am so sick of companies taking my $$ and then expecting me to do all the work. I REFUSE to notify them a 4th time. I called 3 times and it just went on and on. JUST CLOSE THE GD ACCT PEOPLE! What's so damn hard about that?

I got a Discover card few years ago. I had a high credit score and a high salary, yet got a small credit line. With time they kept increasing it with little increments. All of this is fine. But they have the worst rules dealing with their customers, like you cannot make two payments with 3 days of each other. If you do, the second one will not be credited to your account until after 9 days. They're annoying, pressuring you to get one of their loans, or other credit cards. Once you get their 0% promo and get a good chunk of your credit line, don't get your credit score dropped, because right away will cut your credit line. They are nasty, vicious, and don't care.

Complaint done in Consumer Financial Protection Bureau. I've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I'm not a millionaire I depend on it for anything. I'm currently working and studying full time both since I need to progress myself.

Customer service has fallen apart. I've had a Discover card for over 10 years. Never had an issue, but now they freeze it all the time. I have a credit score of 811 and have never had to dispute a transaction. Problem #1: authorized users. Don't add them, you'll get annoying phone calls to verify you added them. Of course I added them. I logged in to their secured site and added a user and the card gets mailed to me, not the user. Pretty secure right... wrong... They will harass you and ask questions about how you are affiliated to the users, which I'm pretty sure is illegal. Then they will want you to email them a copy of their driver's license, social security card, and a utility bill which sounds like invasion of privacy for the authorized user. On top of that, I can't log into Discover to make sure that is a secure email address and not a made up one for the sole purpose of identity theft.

I have had a Discover card for around 5-6 months, always on time payments, balances around $600 - 900 range. I had a $1200 limit, and a $900 balance. Some genius at Discover seems to have dropped my limit to $600 dollars and as my balance is $900.00 I am not at 150% utilization. I called to complain and was told that they randomly run credit checks and my card balances on capital one cards had went up so they dropped my limit without notifying me?!? Is this legal??? Then to make things worse they suggested I apply to make my limit $900 to help me not be over my utilization and ran an inquiry on my credit to do so. IDIOTS.

I've carried a DISCOVER card since their inception as part of Sears in 1981 (or '82?) Have NEVER had a bad experience. They answer their phones quickly, their employees (all based in the US) are treated fairly (actually really well), and they have ALWAYS resolved any issue to my satisfaction (and sometimes it is a stupid mistake on my part). I've learned they are THE card to carry!

THEY DON'T CARE ABOUT THEIR CUSTOMERS... IF I COULD RATE THEM -10 I WOULD... I have had Discover since 2013 and have been a loyal customer ever since, I make my payments on time. In the past year some circumstances and family emergencies had came up forcing me to use the balance transfer feature. I used a couple of times the checks they send in mail which made the balance transfers easy. However this last balance transfer I did not have any current checks I could use therefore I submitted the balance transfer request online. Before the transfer was approved I called Discover to request for the balance transfer to be canceled as I had entered the wrong bank acct. She canceled the balance transfer and offered to submit the second to the correct bank over the phone, I thought to myself sure why not, it should be easy Right? WRONG!!!

Increased my APR without letting me know. I just so happen to notice that my balance wasn't decreasing so I reviewed my bill and called customer service. The APR had been raised over 120 days. Lower bill - higher interest - I don't know how that happens.

I've had my Discover card for three weeks and my credit score went from 800-320! Why the hell should I have to pay off my credit card. Free money, right? I was given an $8,000 limit and I maxed it out. I'm so mad that this is happening and I'm just going to blame the company and give a one sided story. Really? Complaining because you probably ** up and want to blame the company so you don't feel like you need to take responsibility for your actions? **. Get off of the computer and go exercise, pessimistic hags.

My daughter recently received the student credit card offer in the mail and she went ahead and applied as a first-time credit card holder. For weeks they hounded me on a daily basis for more information. She complied in effort to be approved. On the back of the application it states you need to be enrolled in either a 2 or 4-year college or university as she was enrolled in a two with further educating herself to get a BS in nursing. Three weeks later she receives a denial letter stating that "NO CREDIT RECORD AVAILABLE!" written in caps as seen. I called Discover and they refused to speak with me without her consent but asked if I would co-sign so she was approved. They stated the reason why she was not approved was because they classified her as a nonstudent which means she was enrolled in a two-year program and was denied because it was not a four-year program!!!

I have been a loyal Discover customer for the last 4 years. I started off with a credit limit of $2000. My credit limit was decreased after 4 years without me being informed. This following a complete payoff of my balance. Very disappointed in Discover. The customer service rep was not helpful at all. Will be closing my account.

I had a Discover Card for 17 years and my FICO score was always above 800 for that whole time. In November 2013 I purchased a "SOUND BAR" from DISH Network to enhance the sound of my new flatscreen TV. I paid for that item with my Discover Card. The tech who sold this item to me had me sign on a smartphone for the $149.00 price. On my next Discover bill I was very surprised to see charges for a two-year DISH contract that would total $1,680.00 for the two years. I called DISH and I called Discover to put a hold on my card. DISH said they would send me a copy of the two-year contract to show I had initiated it. My December statement from Discover showed they had indeed put a hold on the payment to DISH. On this statement my FICO was 820!!

My account has been closed for more than 4 years when I got an email saying that my payment for $3900 had posted. I called the 800 number and told them that was an error. The girl said they would do an investigation, make sure the payment belonged to me, and then I would receive a letter in the mail. I received a check for $3900. Now they want their money back and are opening the account that has been closed for more than 4 years to charge me $3900. This is crap. They made the error and sent me the money after they had done an investigation.

I received text messages stating suspicious activity was noticed on my account and asked to verify if I made the purchases. I didn't and replied with "no". The fraud department phone number was sent to me so I called it. The representative worked with me to close the account, open a new one, transfer everything over, and send a new card.

I have had a Discover It card for about 2 years now. When I first signed up with them, I had a credit limit of $5800. I look at my card today and all of a sudden, there is an issue with my credit line. First, let me start with last year. Last year, in 2015, I had to get a loan for my CDL. That account has since, been closed. In the same year, I had got a Wells Fargo "rewards" card that turned out to be another credit card.

My brother died at the end of February. I ordered the flowers for his casket from OOTSIE'S in Fairview, ok. The day of the funeral I went into the chapel to visit him and noticed wilting and dead flowers on top of the casket. I called the florist after the funeral and she said that she would refund me my money on my Discover Card. The next morning she sent me a text saying there would be no refund because she called the funeral home and they said the flowers were ok the day before.

Have you ever calculated the cash back bonus reported on your monthly Discover Statement. You should, as it is rarely correct. Just spent close to an hour on the phone with two Discover employees. My statement shows a total of $214.97 in charges which all qualify for the current 5% cash back promotion category. Multiplying 5% x $214.97 calculates to $10.75. The amount calculated by Discover was $9.70. The first call to the Discover Ohio customer service department wanted to know why I thought this was wrong. This employee could not come up with an answer so transferred me to their Phoenix office. That person, supposedly a supervisor stated that although the total purchases shown on the statement all qualify, the cash back amount cannot be timely calculated when close to the statement cutoff date. (Nothing within 2 days of cutoff date). I have cash back cards with other competitors and this NEVER happens.

My credit card number was somehow hacked and someone charged 5 PlayStation games to it. I called customer service, cancelled my card and was issued a new one. A temporary credit was given to my account. That was about 6 weeks ago. Now my "case" was sent to the fraud department (wasn't it always a fraud case?). Discover sent me the info with the address and email of the person who was using my card but now they are saying that I might be responsible even though THEY were the ones who told PlayStation that it was ok (without exp date or the 3 digit code). I am so frustrated. Every time I speak with Discover I get a different story.

I've had many credit cards over the years and Discover is the worst. Stay away from this company if you want to maintain good credit. They will look for any way to screw their customers. They will keep charging you fees on top of fees. They are the most dishonest company in business today! STAY AWAY!

I am so frustrated & disappointed in the payment process of the Discover Card. For the 3rd time they have had an issue with showing the credits after I make a much longer than necessary payment to keep my balance low. I have to call in every time after I make a payment & the payment is done over the phone with a customer service rep. since that is how I was informed by a supervisor (after having issues) that that is the best way to make my payment. This time there is a 10 day hold by the security team on my payment, even though it has already left my bank 4 days ago. It was an issue last time with them not being able to receive it correctly even though I gave them the routing # & bank acct # for the payment.

I'm relatively young so I've only had Discover since 2008. I keep up with payments and had pretty good history with them. I had no issues with Discover whatsoever before having serious health issues and not being able to keep up with my payments as I had in the past. I contact Discover as well as my other 2 credit card providers and informed them of my current health and financial hardship. Discover was the only company that ran me in circles and refused to help. I had the "protection plan", however I "didn't meet criteria" (I.e. Death of child, spouse of parents; unemployment (medial leave does not count); homelessness, or natural catastrophe). I can say, that although my health is not where I would hope it to be, I'm extremely grateful my parents are in good health, my job placed me on medical leave, and I'm not homeless thanks to my parents.

I realized after reading many of the Discover card complaint reviews that much of the confusion or frustration is due more to communication and process issues that one would expect from a leading credit card company. I was very pleased with how quickly Discover Card identified fraudulent activity on my account and stopped it. I was notified via email that fraudulent activity appeared to be occurring on my account and to call the 800 number immediately which I did. The representative was very helpful in identifying the situation and letting me know that I would not be responsible for the charges. But that is where the whole situation began to change and the “process” question began.

In August 2015, I purchased airline tickets to Europe through SAS Airlines, and paid with my Discover Card over $3,000.00. In January 2016, I contacted SAS to make changes to my flights (for March) and they advised me that I had to pay $900 extra for the 3 tickets in order to change. I refused to pay and told them that I would use my tickets as purchased. SAS then proceeded to cancel my airline tickets, stating that I had canceled them (which was not true). SAS refunded me $124 per ticket, for a total of $372. They refused to give me my tickets or my money back.

When they first came out with Discover, my wife and I got a card with a $1,000.00 credit limit. We continued to get charged $25.00 extra each month when they claimed payment did not arrive in time. That continued even when we sent them a letter that proved with delivery confirmation (signed receipt from USPS) that they did indeed not only get the payment on time, but a week in advance of the due date. Discover refused to admit any flaws in their payment processing. Then months later, they quit that company when they learned that the company was lying about payments they received, so Discover could get extra money from card holders.

I can honestly say Discover is the worst CC company I have ever had the distinct displeasure of having an account w/ and think it's repulsive the sneaky tactics they use to accrue interest & stack the deck against the consumer from the start! They accrue interest very predatory & do so in a manner that's sneaky, difficult to track & clearly see & understand through your online account or paper statements. My current balance was $700 in a single billing cycle (meaning I made the $700 in purchases in that current cycle); then I made a $665 payment in that same current billing cycle, leaving a balance of $35 carried over one day into the new bill cycle.

My mother who is 82 years old asked me to help her keep up with her Discover credit card account. The first thing I noticed were 3 different charges on her statement for identity protection. When I started calling to cancel, I found that they were all Discover products. Apparently, Discover has been adding these to her account over the years and because she didn't understand them, they continued to add new ones and charge her monthly.

Recently found out that Discover increased my interest rate from 11.99% to 21%. Why? Because I paid EXTRA, and by a day EARLY. The statement dates run from the 21st of one month to the 20th of the next, with the payment due on the 15th. I made an extra payment on the 20th, and one on the 19th. Because they weren't made on the 21st or later of those months, they were considered late since not all the payment was made by their standards. So I was penalized for paying MORE every month, and by paying EARLY (by two days at the most). Best I could do was lower my interest rate to 19%. After 12 years of faithful service, and these being the ONLY two "late payments", I got penalized. I should also state that the next payments that would have counted came TWO days late- if they'd been paid on the 15th of the month and not the 17th, I would have been fine. I closed my account.

In 63 years, I can count on one hand the times I've been late on a payment, never missed a payment, always paid in full. Had a credit rating of above 760 with all three major credit institutions. Had a house in California. The tenants disappeared leaving $12,000 in bills to be paid, past due rent, and damages. Scrambled to carry two mortgages and keep bills paid. Did ok. Even transferred to Discover to use the no interest in an effort to make ends meet. Finally, with Escrow closing date of the April 8th in sight, I call Discover and advise them of my plight. I can't pay until escrow closes and I will then pay in full. The representative agrees to the date of payment and says he will make a notation in the log. Now I find that I have been turned into the credit reporting people for a late payment and have had my credit rating dropped to 670.

I have been a loyal credit card holder with Discover since 1984. I find it impossible to bring down the Discover debt of $4,500. For the last couple of years, I send in the minimum due (as it is all I can afford) and sometimes a bit more. WELL, no matter how I try to tackle the account, it does not go down, IT GOES UP. See they divided charges at a variable 21.49%, 16.49% and 11.49% - the minimum payment applies first to the 11.49% ($428) balance and whatever extra to the 16% ($2,400) and if anything leftover to then the 21.49% ($1,600+). Therefore, the 21.49% balance builds up every month, adding almost $30 extra on charges.

I've read several complaints about Discover refusing to give cards or giving outrageously low credit limits to people who have decent credit and would be considered upper middle income. I've had the same problem with them. In fact they've denied my application with a 760 credit score, and a household income of $180K/yr. Then they turn around and I get a Discover card in the mail, for my 19 yr old son who hasn't worked in 6 mos, doesn't live with me, and is homeless. Come to find out he applied for it and had it sent here, got a $3,400 credit limit. When asked why he got a card when he can't pay the bill, he laughed and said he was going to use it to take a vacation. LMAO, good luck Discover with ever seeing your money back.

I've had my Discover card since 1994. I was in an accident in May of 2012 and needed to have an operation in September of 2012 because of the accident. I called in December to ask if there was anything I could do to skip a payment and only pay interest. I was told I could but then in January I ended up with a double payment. Not at all what I intended, I was late for the first time and my interest rate went to nearly 30%. I called several times documenting it requesting this be lower. I ended up going on a disability due to the accident. They never gave me any help.

So I am loyal with Discover since 2012. I have a choice of 38 credit cards but due to excellent cash back and I made my first choice DISCOVER. 100% on time payment for 5 years straight. I choose DISCOVER with all my faith for big purchases and problem started between me and DISCOVER when I used my card to order garments from BANANA REPUBLIC past in AUG 2015. Wife of mine was visiting overseas and we made a purchase of $2100 (approx.) as a gift for relatives from BANANA REPUBLIC and out of three one shipment came wrong which was close to $1800.00.

Due to unforeseen medical expenses & replacement of damaged items I had to use my Discover Cards (2) as it had the available credit. With my discover cards (2) being near the limit, my chase credit account had been decreased $6,200. I am on a disability income, and question why two discover card accounts were allowed. And why my Chase account was decreased of available funds. I was declined a preapproved loan of $15,000.00 by Discover Card, less than six months ago. I view Discover card's actions (Bait & Switch) to be predatory toward many people, as I have read others' horror stories.

I got approved and I received my Discover card three weeks ago. I called them and asked for an authorized card for my spouse. They told me they will call me back because before they issue a card to my spouse they needed to verify some information. I never got a call back. I called them again and they told me my spouse was already added to my account but they couldn't issue yet a card to her because they needed to verify some information.

I called customer service today to check how long it would take my redeemed points to credit on the account. I never spoke to a person in customer service who was this impolite. I am not sure if Discover has any training for their customer support people. I will be cancelling my discover card.

I've have 2 Discover cards and had some financial issues a couple years ago. I fell delinquent on these accounts. In the past 2 years I had made monthly payments consistently. I have called Discover on multiple times and asked about lowering the interest rate. The answer has always been "no". If you have a Discover card, DON'T FALL DELINQUENT! To give you an idea, every month I pay them $450. Of the $450 less than $25 is applied to the principal.

Discover Card not what they used to be. Customer Service rep and customer service supervisor refused to transfer me to fraud department. Insisted the only way to prevent new charges was to close the account. So after 20 years, I closed the account. Now I have to call weekly to correct issues with statement and account number. And they truly DO NOT CARE.

Every time I call their customer service line, I'm always greeted by a real person, no cluttered phone menus that never seem to lead anywhere. And their customer service reps are courteous and really helpful, no matter the time of day or what the issue is.

The discover card accounts for my authorized users was shut down because I would not provide their social security numbers. I have had the account for over 20 years with the same authorized users (my children) since the beginning. A new policy now requires the name, address, birth date and social security number for each of the users. I explained that in the age of identity theft I didn't feel comfortable supplying the soc numbers. I asked why they need this info and was told by several reps and supervisors that it was to "verify identity". I was told no background check was needed and no point of sale verification was necessary. Over and over just the verify identity reason. I said I would be closing the account and was assured my card was still valid and I was a preferred customer, but the other cards would be void. There was no one else to talk to, end of conversation as far as they were concerned.

I would highly recommend not to use Discover. I have found them to be unfair in their practices and the customer service department is abrupt, rude and doesn't follow up. In my case I had a charge on my account that I did not authorize and Discover was unwilling to take the time to understand the circumstances and just wanted their $81. I am very dissatisfied. I am a heavy cc user and have decided to not use them in the future.

I have been a Discover customer for approx. 2 years. I have never missed a payment and I make double payments every month! My available credit was lowered by $2K... Reason given was too much credit card debt in total. What? I NEVER miss payments to anyone! Own two homes (one paid for) and have a long term job making 90K a year! Don't use this company! My wife has a card and they lowered her credit limit too! We don't understand why? We will only use Capital One!!

After numerous security data breaches causing yet another replacement card. It looks like Discover is finally going microchip. Unfortunately their poor rollout process has put my family in danger. This needed upgrade plan execution has prioritized Discover's protection and convenience over my wife and children's well being. It is very concerning especially for my daughter who is away at a sports tournament 300 miles away with no active Discover card, as she found out when trying to check in to the hotel. You see Discover deactivated all of my non microchip cards when I activated one card with a microchip. The only card that I have received to date.

Don't fall for the Bait and Switch from Discover Card. I applied for a Discover credit card with an offer of 0% interest for a limited time. I got my first statement in the mail and noticed I was charged interest. I called and the operator said that I didn't qualify for the introductory interest rate. I told him that I applied for the 0% and received the OK right away but wasn't told that the interest rate I applied for was not the one I would get. Apparently Discover Financials (card company) will get you in, allow you to apply, get you the card then wait until you use it and are billed for you to realize that you did not get the 0% that they offered.

Called All State Van Lines in FL for an estimate to move to AL. Talked to Annie ** and I paid deposit on my credit card. Next day this Paul in QA called my son instead of me, the customer, and suddenly he must have had someone post 2 add'l charges to my account without my knowledge. That was May 14, '15. I have been under cancer treatment in Bingham, AL so when I got done and ready to go back home to GA I engaged my r/e agent K **. He went ahead and called a mtg. guy who pulled up my credit report and said DFS had a negative, that I didn't make a November payment. Not true because I have paid them for 32 years every month on time in full via auto pay at bank.

Clearly customer service gets kickbacks for every customer they sign up for "automatic payments" because it's the only way they know how to solve a problem and they'll shove it down your throat in every language they know while clicking on the recorder to try to catch you inadvertently authorizing the "convenience". The interest rate is ridiculous, but at least I knew that when I signed up. What I DIDN'T know was how frequently my phone payments would "fail to process" because of "system errors". Whether I use the automated system or speak with a representative, I pay on time and find myself battling their collectors regardless!!

I am a person who never pay late my accounts, I have Discover card and they have reduced my line of credit without notice, they have treated me as if I were a hindrance. The woman on the phone not explained anything and she said that if I don't want the card I can cancel it. I felt no appreciated and very angry!

After 22 days late on a bill Discover card froze my account. After paying my bill and all owed money immediately that day they could not unfreeze my account for 2 days. I had been with discover for 19 years and for the last 6 years kept a zero rotating balance. They don't care about you. Leave now before its too late. There are plenty of better cards out there.

Today, I was shocked to see that my credit score fell 100 points due to a blatant act by Discover Card. I am extremely disappointed to know that despite banking for so many years with Discover Card, the credit card company did not even think twice about reporting to the credit bureau for a $84/- missed amount. Due to a serious family emergency/medical condition, things were so hectic that I forgot about making payments to this card. Now, I have made payments in full and hopefully, Discover Card is happy to get the $147 amount from me (Interest + Fees).

Please don't fall for it. You know, when they tell you will have 0% or a low percentage interest rate to transfer balances of higher interest rates cards, or maybe when it's the holidays and you have to use a credit card to give your children a holiday, etc. Anyway, I just found out that Discover started charging me back-dated interest on a balance I started back in 2012 because I had ONE LATE PAYMENT in June 2015 due to my 11-year old child having heart surgery! They said they could go all the way back to the beginning of the balance because it was never was paid off in full. But the items I bought in the past have been more than paid off- right along with the interest I was charged back then and along the way by Discover Card too. Yes, it's pretty unbelievable, but they did it.

Be very careful when Discover tries to tell you 0% interest. I took out the Discover Card to pay taxes since it was 0% interest. I noticed on my statement that I was being charged interest. When I talked to Discover, they said that is only on balance transfers from another credit card. They never told me that when I applied for the card. Read the mouseprint when you apply for a Discover Card. Total rip-off.

Long standing customer (15 years). Never missed a payment. Typically paid off balances for large purchases within a month or two. A new development/neighborhood I had moved into folded. The contractor went bankrupt during the housing bubble crash. The house went into short sale to get rid of it because we couldn't carry 2 mortgages. Discover got wind of this, dropped the card credit limit to $500 and hiked up the interest rate to 29.99 percent. None of my other cards changed. Discover refused to bump up the limit again. The Customer Service Reps were rude. There must be a special division for customers they label "deadbeats" because it was a joke dealing with them. One commented it was my fault the contractor went bankrupt and the economy collapsed. Rude. Arrogant. Unacceptable actions that never got a response from my follow ups to managers. No leeway at all for circumstances.

Terrible service. No help at all. Unprofessional and unhelpful. First call, hung up on me after he could not figure out how to resolve my issue. Second call was disrespectful in replying. After everything, I thanked her and she said "uh-huh". I was as polite as I could be considering my situation.

I have been a member of Discover since 1999. I make my November payment via check but received a late notice with a late fee. I called them to have them say they never received a payment and I told them I was looking at the check that cleared my bank after being cashed by them. They won't issue a credit until they "find my payment". I was speaking to one woman who said she would issue the credit, but days later she hadn't. When I call again the next woman says she sees no notes from my previous calls, but by the end of our conversation tells me she "sees in my notes" to which I say "oh, the notes you couldn't see a few minutes ago?" No response. They have frozen my card and I have a recurring charge that won't go through, yet they can do nothing to help me restore my credit with the company of this recurring charge. I will be getting another card and canceling my account with Discover. Horrible customer service.

I recently got this credit card and have had some major issues within the first two months. First instance, I had planned an expensive purchase at the Apple Store and had called Discover beforehand to let them know that I am making a big purchase at Apple, guess what happens? Yes, transaction gets denied even though I had called them earlier to inform them of a big transaction to happen soon. I had to call them over from Apple multiple times to have it resolved. Luckily it went through.

I have been with Discover since 2001 and have had the same 1500 credit limit. Out of the blue they lower my credit limit to 1400 because they say I haven't got any accounts with anyone else. That has to be the most ridiculous reason and anti-loyalty. I'm in the army. I don't need to open a bunch of accounts. I have never heard of something like this. The lady told my years with them don't count towards credit history.

They send you offer at 6.99% offer then when you complete the application, it tells you your interest rate is much higher. It is false advertisement. Does anybody get the lowest interest rate? I don't think any. Liar liar.

My husband always make a payment for me more than they ask for every month. Check my balance occasionally and it was fine, after a few days I went online and made a purchase. My discover card was declined, so I checked my account. It was lowered from $1800.00 to $700.00. They ask for a $25.00 payment I always make it at least $100.00. Never been late or over my limit. When I called they said I should have received a letter about this. I told them I didn’t. Ask them why my limit was lowered, they said I owe too much credit out there, they got a credit alert about my credit cards. What's that got to do with them? I pay them more them what they ask for every month, I'm paying them off very soon and cancelling my card, and telling everyone I know to do that. I work for a retail company and I have never heard of this. Thank you Discover for making my holiday better.

I have worked hard to maintain a good credit score & have been an ideal long time Discover credit card customer, never late on payments or exceeding credit limit and paying them thousands of dollars in interest. Despite going through a divorce, surviving cancer and never regaining equity in my home with the real estate downturn, I have never missed meeting my payment obligations on any of my debt in 30 years as an adult. I was not comfortable with my growing credit card balances over the years, however. So I worked with a debt counseling agency to obtain lower interest rates on my accounts, including Discover. This was NOT bankruptcy and was NOT debt forgiveness. It was getting interest rate reductions.

First of all, this card is not welcomed everywhere as Visa and M/C especially outside the US. Their customer service is horrible and their employees are complicated in resolving issues, particularly when dealing with female workers or supervisors. After I answered an invitation mailed to me the system asked me to call in.

Discover Customer Service is next to useless. They cancel us for lack of use, then acknowledge that was a mistake, send us a new card but never send us the rewards check as promised. One rep contradicts the next and supervisors have phone lines filled with static and background noise. The rock "music" during hold hurts your ears. My suspicion is that is to get you to hang up. That nothing gets done or that reps contradict each other so casually indicates to us. Discover is a company at endgame indifferent to the wants and needs of their customer base.

Discover Card seems to have a problem with sending out their statements. I have not received several of them and it's been a problem. The first time I didn't realized I didn't have a statement, I missed my payment. I thought it must have been lost in the mail and didn't worry. I hadn't been late on a payment for at least 10 years. Oh boy, they were all over me for that late payment and raised my interest rate to 21.49%. Ouch. There was nothing I could do to get them reverse their change.

Just yesterday I received an email from Discover stating that my husband's account was closed due to inactivity. I called to find out if I could appeal it, they said no. I asked about my credit card account and they said it was closed too due to inactivity. Although they did not send me an email regarding this account either. We were given no notice at all about closing the accounts due to inactivity. If they had, we would have had an opportunity to choose to use the cards or not.

I am a member of Discover since 1995, 20 years as of September, 2015. Unfortunately, I don't feel as though Discover has treated me as a long standing platinum member with a good account history. I am trying to manage my finances more responsibly and in doing this I contacted to Discover yesterday to inquire about evaluating my account for a lower APR rate. The rate is sky high at 29.99% if I'm not mistaken, which I believe is the highest APR out there. I was told that it was due to a late payment over a year ago- 1 time occurrence. Yet in still I was denied a lower rate on my existing balance, but offered a possibility on future purchases. That defeats the purpose for me as I will not be making additional purchases until I can get a handle on my current monthly bill. The money I'm paying out on the interest is overriding what could be applied to the actual budget.

So after being a member of almost 9 years and being a 20 year service military member with at 7% interest rate and making all payments on time (and if any balances paid off) interest rate jumps to 30% after retirement with no option to decrease interest rate? Unbelievable. Barclay has better interest rates than Discover. The card is paid off and will not go back to Discover.

I used a Balance Transfer Check I got from Discover to pay off Wells Fargo and they received the check before the deadline, but they posted the check as Cash advance with 23.99% interest rate. The first three times I called them they were very nice and said they would take care of it. They were just waiting for it to post on their end. I did not worry about it because they were so nice. A month later when it was still not taken care of, I called back. The person was not very nice and said that "We don't do that." She said she was going to look into, but I did not feel like it was going to get taken care of. I felt like they were playing good cop bad cop on me. I have transferred the whole balance to another card.

My complaint is with Discover Card. I have been a cardholder with them for over 4 years and have never missed a payment, I always pay on the due date and receive email reminders on regarding the account. I simply made an oversight on my bill due October 1, 2015. I had gone on their website, as normal on the due date and inadvertently, I did not hit "submit" after entering my payment information. I realized I had made an error the following day and promptly scheduled the payment one day past the due date. I asked them via chat and an email to waive the late fee due to my impeccable payment history. They declined both the requests and advised me of email alerts again which I already have set on the account. I feel they are being unfair because I was an authorized user on my spouse's Discover credit card account that fell behind and he recently had to file bankruptcy due to an underperforming business that he shared ownership in.

Just got a notice from Discover saying that because of high credit card usage that they were reducing my credit line by $40.00. I called and got the typical runaround and then they said I had been late on my payment three times. I am not the type to be late but I guess I was. ONCE!!! Checked with my bank and Discover is not posting the payment the day it is paid. That's the bottom line. They also said I had high credit card usage on my other cards. I am never late on those either.

A few days ago I called my Discover Credit Card due to a big change into my credit report which is stated in my statement every month. The Discover Credit Card Customer Service Rep. kindly recommended me to go to a website and check my credit report. Since I have been a Discover Customer for about 15 years I trusted them and without a doubt I search for the website and signed up to get my and my husband's credit score for $1 each. Everything was fine until today that I entered to my Discover Credit Card acct. to check my balance and found two transactions for the amount of $24.95 each coming from Experian, the same type of transaction that charged me $1 each a couple of weeks ago.

After having my card for several years Discover closed my account because they said I was not utilizing the card often enough. They did this completely out-of-the-blue; I received only an email from them stating that my account was closed due to inactivity. If I would have been traveling with this card at this time I would have been in deep trouble. I am being 100% sincere when I tell you that my FICO score is above 820 and I have no outstanding debt, so I consider this move to be manic on their part!

First of all a rep offered me a second credit card which was originally denied because I had not been a cardholder for at least 1 year! I was never told and the rep applied anyways and I was denied for that reason. As a rep of the company she should have told me that before I applied. Just 2 weeks ago over a year now re-applied when offered their miles card and again denied. This time a letter came and stated serious delinquency, credit utilized too close to limit on my other cards.

This credit card company sucks. I received a Discover Card in March of 2015. I have paid my credit card payment on time every month. I go to pay my bill today and Discover they have lowered my credit limit. I called CS and asked them why would they lower my credit limit if #1 I have never reached my limit and #2 I pay them on time every month. The agent proceeds to tell me they ran a recent credit check on me and see that I have a high credit usage on some of my other credit cards... I told the agent "So what? This has nothing to do with my Discover card". What business is it of yours what I do on my other credit cards. Those credit cards get paid on time every month as well so what does that have to do with Discover? Once I pay this Discover balance off I am going to close this account. Discover is full of crap. I will continue to use my Amex as I did before I got this crap of a Discover card!!!

I have an 800 credit score. I have always paid every bill on time. Their employees actually lied to me about what was happening on a payment problem. I documented everything. Five months later the problem is still not resolved and it is because of Discover's idiot employees that have been feeding me story after story, but never getting to the bottom of the problem. Now after five months, they are trying to point the finger at me as if it was all my problem, when I had made my payment in good faith and on time. I have heard other horror stories about their extremely poor customer service. The stories need to be told. Stay away from Discover and go with a reputable VISA or MC instead.

I have a Discover credit card which I used very infrequently. In fact I only opened their IT card to have access to my credit score which was at 825. This past March I made a purchase of groceries for $14.14. I forgot about the small purchase and waited to receive my statement. After a month or so I forgot completely about the purchase.

I am a brand new customer who responded to 0% purchase APR for 12 mo. online ad (Discovercard.com which is still advertised today). 800+ score. Received card but noticed purchase APR of 0% was only for 6 mo. Initially thought it was a simple error. Called & said not a good way to start a relationship. Supervisor Ismeta in Arizona, apologized but said could not change. Wonder if they are this deceptive at the beginning & don't change even when made aware by customer, how many other things they may be trying. DEFINITE caution light is on and strongly recommend those who apply to BE ON GUARD against additional misleading and deceptive promises made by Discover that are not honored as advertised.

I usually don't do this but this is absurd and ridiculous! Discover is The worst credit card company out there! They reviewed my account and dropped my credit line $4000 because they received from TransUnion some information and they felt that they should do that! Because of this my credit score will be affected on the revolving balances because of the % of balances to credit limits will be higher. Called and talked to 5 people, 2 supervisors and I asked for a department manager. Guess what? Nobody else was available to talk to me anymore. Apparently I reached the top of the food chain! This is a very upset customer!!! Don't open a Discover card. It’s just not worth it!!! If you have one, you're better off closing it!!!

You gotta hear this one. I have a perfect credit history and have been using Discover card since 2007. I recently got a offer Dept Eraser from Discover card since Super storm Sandy. My card balance went up to 7100.00 so I said I'll give it a shot. I got the loan at 13% and the lady on the phone said my interest is good because my Discover is at 17% what I had 10%. Discover Card are thief's. They told me I declined the offer of 10%. That's a fools choice. They actually called me an ** to my face.

Thought I had closed account and yes all was paid off on time. I moved. Apparently Paypal still had the number and it was used for 4 dollar purchase. I even had 10 dollars in cash back money which could have been used. Discover had my correct phone number but nope they sent me into a bureau as 3 months late!!!! My credit went down many points. Then they have the audacity to be sending me requests to open up a new card with them. What? They are really creepy if this is the way they treat people.

I have been a customer for a little over a year. When I applied I was approved for approx. 4000.00. Recently I received a notification that my credit limit had been decreased? Puzzled I contact them and from what I gather they performed a review of my account and decided to lower my credit limit. They said due to my Transunion history. Now I know. That is bull because I have an excellent credit rating and have no delinquent accounts. I have never been late on anything. I am the best customer because I know the importance of credit history.

I'm very disappointed with the customer service at Discover. They offer me a credit card with $2,500 line of credit. I only used one time for the amount of $328.00 and the next time I go through the internet to make a payment they reduce my credit line to $500.00. I called to customer service where I spoke to the most rude lady. Never receive an explain for that. By the way I never been late on payments. Once I paid off the balance I'm going to cancel that card. I don't want it. I do not recommend.

I always use the automatic payment system when paying my Discover bill. The last time I tried to do this, Discover took my payment from a long closed account. It took me three different phone calls to get this straightened out. I am very upset that they did not purge long out of date banking information from my account.

I went into Discover Card website to find my balance because I wanted to pay it off. So I paid off the balance. 4 months go by and I tried to use the card and the travel agency said the card was frozen, so I called Discover and they told me I had some charges on the card and the account was past due. They reported me as late to the credit bureaus. The charges that were on the card were automatic, since I went to see my balance on the website they said I agreed to go paperless. I never intentionally agreed to go paperless so I didn't know about the charges put on my account.

I have requested my account number and they will not disclose. I cut my card up and they said they could send a new card but cannot send me a letter giving me my account number. I tried all sorts of alternatives and the only option they would do is mail a new card.

I stepped away from my computer too long while applying for a card and received a message saying the session timed out and my information had been erased. I thought that meant my application wouldn't go through then I get a message saying I'm approved. I immediately call customer service and the women (2 employees) had the nerve to blame me and tell me that message wasn't from their site! Sorry but orange text is clearly Discover not my computer. Oh and the fact that message said "Discover wants to protect our customer's information." I will never apply for a card with them or let any of my family/friends do the same. The fact that anyone can apply for a card with them in your name is scary. Stay away!

Customer services was so rude and not professional. I will never apply again. Even I told her that am not satisfied with her services she didn't care. Worst company. Worst employees.

After receiving numerous solicitations from Discover I decided to fill out one of their no-frills, basic applications. It offered 12.99% to 15.99% APR, 14 months 0%, easy balance transfer, and too many other benefits to list here. I mailed it Tuesday, June 16, 2015. I received a letter from Discover on Monday, July 13, 2015 which stated "We are currently processing your recent Discover it card application, and need to talk to you to verify or obtain information." The letter stated that I had 7 days to respond from the date on the letter which was July 8, 2015.

After 3 years having Discover Credit Card, I have find out that the "amount paid" is not reported to my credit agencies and the minimum payment does not help a lot, waiting time thinking your credit report will be strong. On special when you go to a Dealership to get a loan for a Car, and the credit analyst say, "nice credit card history, but you pay just the minimum payment (55.00) and how you can afford 425.00 every month" and your dream to have a car is gone. Citi, Capital One, and other are reporting that "amount paid", but the super Discover is not capable to do that for its customer. Too much work for them. My advice, avoid to be here in Discover.

After having a DISCOVER card for 16 years, I just cut up my card and my other user's card. The story: I responded to one of their numerous offers for 0% balance transfers on my existing credit DISCOVER card. After transferring the balance, I began getting charged interest - at 20% - on my new purchases from the date of purchase - even though I paid all of them off by the next payment date. So I contacted customer service via secure mail - the responding customer service rep refunded the interest - saying it because I was a good customer, but not addressing my concern. When interest was again incurred in the following month, the CSR replied to me that the only way I would not be charged interest was if I paid my ENTIRE balance to zero, including the balance transfer! She told me I no longer get the grace period since the 0% transfer was now on the card.

Got a Discover card 1 year ago. Applied online with instant approval -- $10,500 limit. Once card arrived, found out it was @ 22.9% rate. This is crazy. Have a 780 FICO score. 3 other cards with 9.9 & 11.9 rate. Immediately called Discover concerning this high rate. They stated, "Just keep the card for a while & use it & show that you make the payments & then call & we will reduce the rate." OK I did this for a year. Called today. Well they did what they said & reduced the rate a whopping 2%. Woo hoo! I asked why I couldn't get a better rate, but all they did was apologize & say, "This is what we show for your account." Today I will pay the balance & never use them again. They are called Discover because you will eventually discover that they have the highest interest rate of any credit card in the world. Take my word & do not discover it for yourself.

Same complaint as others who have written. Online hotel reservations, Hotel.com and several other names, charged my acct three times for one room. Got to hotel and they never received any reservation. Have sent all documentation that Discover has asked for with the promise to credit my acct. They credit it, then charge me again... They claim to honor all fraud... They are committing fraud on the consumer... Buyer beware... DO NOT USE or GET A DISCOVER card.

I have had all CCs over the years, however as of 2015 I'm 46 years old have none. Several years ago when the housing market crashed, I found myself unemployed. (If the credit agencies know about your unemployment they will instantly reduces limits etc. making the just in case you NEED them worthless). I began calling my debtors and putting agreements in place. After several years all of my debt was being paid off with these agreements except Discover. They would only make verbal agreements and then change it and go back to 29% put other fees etc. I WOULD NOT RECOMMEND DISCOVER TO MY WORST ENEMY!!! Chase turned out to be the most reasonable. Stay away from Discover Card.

I have been a loyal Discover customer for 25 years, using this card exclusively. About a month ago I was notified by them that there was suspicious activity on my account; they said a new card was in the mail. I never got it. Two weeks ago, realizing my card was soon to be deactivated, I called Discover Customer Dis-Service and explained that I never got a replacement card, etc. I was promised one would be mailed "Fedex Overnight"!

I had a Discover account for four years when my wife lost her job. Discover was not willing to help and ultimately sued me in Civil court and was granted a Judgment against me which basically means that Sheriff Dept. now can take property from me in their name. The Balance they sued me over $6,500.00 the only way to protect myself was to file Chapter 7 which I told them I was working towards and they still processed the suit against me.

I've had a Discover card for over 10 years and I've had a Discover personal loan twice, both of these I've never had a problem with. I was trying to look something up about my loan and I saw the reviews and like another poster I too was surprised by all the negative comments. I've had bad experiences with other credit cards in the past but Discover was never one of them. I love their personal loans, it allows me to pay off my other credit cards quickly because it forces me to pay a certain balance every month without even having to think about it. If I had to take out another loan I wouldn't hesitate to make it Discover.

I applied online, I have fraud alert for life due to identity theft. I was denied so I thought it was over the Alert. I was wrong. I called and was told my income was not enough. Yet my house is paid for value 200k, car paid for, 2014 Ram paid for. We really don't have any debt. Yet we are told our income was not enough for our debt ratio. What?? We pay cash for most everything. I only wanted card for miles as I fly a lot. Discover only wants one thing, for you the consumer to have debt and plenty of it. We have one credit card. We have a two toys we make payments on as we all need some sort of revolving credit history.

Discover Cards online fraud protection is a shining example of fraud itself. After nearly 30 years of faithful membership, they threw me to the wolves. Never trust Discover Card if you demand online protection from deceptive, fraudulent merchants. Fraudulent/deceptive merchant acquired my Discover Card when I submitted it online for a $1 charge to examine their online membership benefits. I chose not to join, however the merchant used my card at will to charge me $49 monthly fees. After several months I became aware the merchant has charged my card for several months. I then enlisted DiscoverCard security, filed a complaint and they investigated.

I paid off my discover card in January and just found out that they had a remaining "fee/interest" balance of $23 that they tagged on without notifying me. All of their emails went to my spam. My card was also compromised a couple of times. Needless to say, I closed the account. I would not recommend Discover to anyone, ever.

Have been paying off balances on my credit cards, both business and personal. Had card since 2008. Had a high balance and have been paying them down monthly. Not an easy feat but did it. I started noticing that as the balances got lower so did my credit limit. Finally got the business card down to $0 balance. 2 months later got a cancellation of the card. When called Discover's rep said he couldn't explain it. Call TransUnion they said it was in good standing with no balance. As far as I'm concerned they can rot. Undecided as to whether or not I even want to pay off the other cards. Lots to think of. Screw Discover.

Discover credit card send me every month credit invitation, when I apply for card they decline my application with 700 credit score and 20 000 in credits with less than 15% of my credit used, don’t loss your time with Discover, they just damage your credit with more inquiries.

WARNING!!! Discover closed my account without any notice or explanation after I made a full payment. My account is always in good standing, without even a single late payment. This month they sent me an offer that if I spend $2500/mo for 6 months they would offer $400 additional cash back. When I switched most of my spending to this card to meet this requirement they simply thought I spent too much and closed my account after I made a full payment!!! I have a credit line of $8000. Is spending $2500/mo too much? Are they always joking people like that? They also froze my cash back bonus that I have accumulated for years, nearly $1000 bucks!!! And there is no way that I can get it back. They say that it's a bonus with the card. If it is closed this bonus would be no longer valid!! Angry!!!

The introductory offer of 0% for 18 months is decent but be careful with these guys. I applied online and didn't receive the credit decision from Discover until a couple of days later. Once I received the details of my credit card agreement, I found that Discover chose to set my variable interest rate at the end of the promotional period to 20.99%. The available rate according to the information I had showed the variable rate could be between 10.99% and 22.99%. Now I have a roughly 800 credit score and a 100% positive payment history spanning more than 20 years. My credit utilization is also not too high.

Months ago I received an approval application for a loan at a low interest rate. The 'approved' loan was said to be in process, and then denied. My credit rating was above 750 then and now date (5/03/2015) it is 620. Two days ago I made the required payment on one of my accounts, and more than an hour after it was made, I get a reminder. I was so angered I made a phone call suggesting that discover card check their payment records before they send out a reminder that could influence one to profile them as parasitic & GREEDY, along with being a bait & switch company that should be investigated for their deceptive actions. If there is ever a class action lawsuit against them I would gladly join.

Checked my account Profile and noted that the "Authorized User" count was wrong. It should have been 1 but "3" was noted on my account. Web support ** was notified who stated that Discover is aware of the problem however, there is no guarantee when it would be fixed. This should be a Priority call since account holders have no idea as to who is accessing, using or viewing the account. I requested to be notified immediately upon the correction of this problem, however, she said again, there is no guarantee it would be fixed. Confidence level in this product is shaky at best.

Discover told me they changed my payment due date to June 15, 2015. I just have a part-time job and I have other things I need to pay. I changed it so I could make sure I wasn't late. I called today. They told me that my due date was not going to be June 15, 2015. It is now going to be May 15, 2015!!! I got a letter via email from them the first time I called which states that my due date and my withdrawal date was now going to be June 15, 2015!!! Long story short, they gave me misleading information. I told them that they are my last priority now because of this.

My payment was mistakenly posted to a closed account I had reported as lost or stolen many months prior. That was irritating when I realized what had happened but mistakes do happen and I immediately contacted customer service. I spoke with a supervisor and was told he would take care of it right away and that he would call me back later that day when he had finalized the transaction. Never called. I called back two days later and was again told he would call me back that afternoon. Never called. I figured he had done what he had told me. Wrong.

I've been a discover customer for 4 years, since I opened my first credit card ever with them. My first year I forgot to put a payment through until the next day. I called cust service and paid over the phone one day late. They waived my late fee for me. When I thought I lost my wallet last year I called on a Saturday and they cancelled right away. Got my new card a few days later. Last month I changed my name on my credit card to my married name and someone helped me over chat. She asked if I'd like to keep old card design or change it up and was nice enough to pull up the designs for me to choose.

WARNING: When you request and receive a lower interest rate on your existing Discover Card, Discover won't apply that lower rate to your existing balance AND subsequent payments are applied to the new balance at the lower rate first and any amount over the minimum payment amount is then applied to the old balance at the higher interest rate.

A company called AYI renewed my service even after I turned on do not renew. AYI ignored my complaint so I filled my dispute with Discover Card. Discover card refused to honor my dispute. This has been going on for 5 months. Discover does not stand behind its customers. AYI is crooked and ignored my inquiries. Discover has wasted my time, hours and hours of it. Discover and AYI did rip me off. I want my $49 back from Discover.

I heard this card was some sort of BOMB SUPERCARD! It took what seemed like a grilling from the FBI just to get it. (Yeah ON THE PHONE) the questions were INSANE. THEN after the crap $7500 credit line, I naturally assumed I should ask for more since all my credit scores are over 800 and I make over $400K a year.

I got my discover card in March of 2012. I got the 0% interest for 14 months and it was honored. The following year, I called and asked for a credit increase and they gave it to me no questions asked or hard credit pull. I just recently asked for a credit increase and though they did a hard credit pull, I received a substantial increase. Everything they promised, I have received. The one thing I dislike is the 8 dollars they charge monthly for insurance, the kind that covers you in the event of not being able to make a monthly payment. I have never had to use it and pray I never do, so I cannot say if it is worth it. I came here looking for advice on how to ask for a lower interest rate, and was shocked to see so many bad reviews!

I applied for a Discover student card in 2014 and was asked for a co-signer. My mother co-signed for me and never used her card. My mother passed and I called Discover to inform them and they closed my account without informing me that they were doing so. I never made any late payments and never maxed out my card. They are horrible. I would never recommend them.

Ordered for a March 15th Birthday on Sat. March 7th.. the App made duplicate gifts. Called Customer Service Gift cards and talked with a young lady who said that she would need to let the system create the order and cancel one on Monday! She cancelled the whole order.. got nothing out and did not inform me by any method. Birthday passed. No thank you from brother in law.. never received and I was NOT informed it was never sent! Disheartening to say the least. Their Corporate Vice Pres. was asked by me for a response.. refused! No compensation, nothing!

Opened my Discover card in July of 2014. Always under my credit limit. Never missed a payment, and all of a sudden on March 5th they decreased my limit for no reason at all. Not happy with this company. I will not be using the card again. I'll pay off the balance and close the account. I suggest no one open an account with this company.

DISCOVERS DOESN'T TAKE CASH!!! We entered the mall and headed toward Sears. ** gave the cashier the Discover bill and $465.00 in cash and the girl said "Sorry, Discover won't let you pay with cash." WTH??? Printed on our cash are the words -THIS NOTE IS LEGAL TENDER FOR ALL DEBTS PUBLIC AND PRIVATE. ** asked her again to accept his payment and she to refuse. It is not store policy but Discover rules. ** then asked if Sears still took cash and she said yes. So ** put cash out to pay Sears card. ** asked her for an explanation but she didn't have one. Discover only takes checks and travelers checks.

It's simple. I have been going through a move across country and transferring money from one bank to another. Discover attempted to draw money for auto-pay from an empty account. My bank denied them the next day and dinged me with a $35 dollar insufficient funds fee. Fair enough. That was my bad. But then Discover Card decided to try again. They did not send me any sort of notification saying that there had been a returned payment. Also, their website showed that my payment had posted. The Discover employee on the phone informed me that they would see the same thing on their end. So nobody would be able to inform me that there was a problem. Good work, Discover!!!

I have had my Discover Credit Card for over 29 years. I have never had a problem. They have shut my card down, which is inconvenient, but I would rather have that over having more charges on my account. When I contacted them regarding this they told me of the charge that was put on my card so we knew right then my information was compromised. They mailed out a new credit card and my new number immediately. If I have a dispute over a charge, it is fixed in 24 hours. They text, call or email me if they see a charge that is questionable. I am very happy with the service from Discover.

My wife passed away in January. She did all of our finances for 45 years. I not only am grieving for my wife, but am now thrust into a financial nightmare. I have talked to several credit card companies, where we owe money. I explained to them I want to pay the bills, but I lost half my family income. All the credit card companies except Discover agreed to decrease my current interest rate. With a high interest, that they will not lower, paying the minimum payment due, you never catch up and pay down the dept. I realize that is exactly what Discover wants. The customer service reps were not helpful and kept saying 12 1/2% was the best that they could do. I could not believe how uncaring and machine like they were. I told them to please close my account and that I could not pay until they lower the interest rate to give me a lower monthly payment.

My credit information was compromised about a month ago. I had to make alternative payment arrangements until resolved. Discover closed my card, and took the rewards. Customer since 2010 and no one could assist. Terrible service and rude service members. I was hung up on twice before I could get an "account manager". This is another example of a large corporate company getting all they can with little service. AmEx is a better option if you can do it. Much better customer service. Even Visa has a better system in place. Discover was very disappointing in a time of confusion and financial distress.

I singed up for a 0% APR promotion and they applied 20% APR every month. I will take this as far as I can. They are by far the worse credit card company I have ever had.

After receiving my card I used it only three times and all online because I realized very quickly that very few businesses accept the Discover card.

Wanted to transfer 4 beforehand. Told them about all 4 credit card balances. A zero balance for 18 months. Didn't have a high enough offer. Could only do 2 transfers. They went and took a partial amount of one to max out the transfer and charged me a transfer fee on all 3 they chose which 3rd card to transfer without talking to me. I still have a payment on the 3rd card as well.