Discover Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.