Discover Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

These idiots cut down my credit without notification and made my card in minus, spoiling my credit score. Will pay off and never again! Do not bother.

I cancelled my Discover Card I have had since 1987. That's right, after more than 27 years. Here is why you should avoid Discover Card:

The application process has taken more than 1 month for me already. To activate my card, customer service asked me about the mascot of a college sports team that never existed in my college. Once I provided the "wrong" answer, my account was transferred to the fraud prevention center. You cannot initiate calls with them-you HAVE TO wait for them to call back in 24-48 hours. I was then told to fax my documents. Note that I MUST FAX - mail, let alone emails are not acceptable!

I am extremely disappointed with DISCOVER. I opened the credit card with intentions of doing a balance transfer from my CHASE account amount of $3100. The payment was done and completed to CHASE, then 2 days later DISCOVER canceled my balance transfer. I called and spoke to Mattew, which he never tried to help me with anything but all he did was giving me excuses on why the balance transfer was canceled. NOT MY FAULT! Discover dropped the ball somehow and tried to put the blame on me. Now I canceled my credit card and also will cancel my wife's credit card from DISCOVER. I will also make sure anyone knows my issue and prevent them from going to DISCOVER. DISCOVER WASTED MY TIME AND MONEY! Now I have my first late payment through CHASE because of discover. Please read reviews before submitting applications.

My minimum payment was due on the 11th. I went online on the 11th at 5:30 pm & paid my bill. I noticed my account read 'past due'. I Sent a message & received a reply stating it was past 5:00 so they were raising my apr but would not charge a late fee. I called, spoke to a supervisor & they said they wouldn’t raise the apr. I was emailed today the 17th my new statement which wasn't the usual statement, it had a late warning for my November bill. It's still October! Plus they charged me the late fee and raised the APR!! I called again & they told me the woman was unable to help me that I'd spoken with & it will be a few days before I know what they'll do! All of this because I was a half hour late. The 11th was a Saturday & they claim the cut off time is at 5:00. So because I paid a half hour late on the due date this is happening!! Discover is truly a greedy & nasty company. I've been w/ them for 20 yrs! I'm just floored over this! They also sent me 3 different messages, all reading something different!! They want you to be late! They want to rip you off!!

Attempting to pay off balance via Bank of America Balance Transfer Check and am now into Day 10 with no payment posted (nor showing as pending). Why is it that checks mailed from our bank account get processed within 2-3 days but checks from another Credit Card account take so long? Oh, I know, Discover can continue to charge interest each day... Note: I'll be following up with another review WHEN/IF the payment ever posts.

I consolidated my credit card debt & had a payment plan set up with Achieve Financial Security, which sold out, after my contract ended. Discover hired Zwicker & Assoc. to sue me. I settled to pay 6 payments of $532.00 to get out of debt. My payments were to begin in June 2012 & the contract would end in December 2012. Discover garnished my wages illegally. I had a signed contract. They waited until Jan. 2013 to say they didn't receive a payment for June 2012. Over a year later they sued me again. I called the court house to see when the court date was & found out it was all over. I ended up paying over $1600.00 to resolve their mistake. I was told that they charged 30% interest on the $532.00 & that's why it jumped so high.

I have been very pleased with discover. The first time I got my card I noticed that they offer $50 for a referral. So I called them and explained how my dad technically referred me to them, we just never knew about the referral program. They credit both our accounts with the money. Someone always answers the phone right away when I call. I had one unauthorized charge on my card and they investigated it and had the credit on my account within 24 hours. They will waive a late fee if you are a good paying customer. On top of this all I also got a $5 starbucks gift card in the mail from them for no reason but to thank me for being a customer.

I placed a balance transfer of amount $4,350 from Discover to Wells Fargo. Discover NEVER deposited the amount, but they shows the transaction on my account on 07/21/2014. I immediately contact Discover disputing the transfer with the assistance from WF. The personnel contacted Discover, and found it was a fault on Discover end as they couldn't even track the check number for my transaction. I was informed that it'd take up to 15 days to resolve this issue. Though it has been 24 days since, the issue hasn't been resolved yet. WHAT TYPE OF INCOMPETENT PEOPLE RUN THIS BUSINESS?

I mailed to your Carol Stream IL facility, an envelope with a dated letter containing pertinent information to credit to my account two separate checks. One was for $75.00. The second check listed was for $**,**0.00 drawn on ** Credit Union. All three documents were together with a staple. When my account info update was sent to me, the $75.00 check was posted and credited to my account, but the much larger check was not shown or posted. I began my many calls to your cust svc, being transferred from one location to another.

My husband died. I called Discover to advise. Though I have had my own card since 1989, my husband was the primary. They advised me that they were cancelling immediately. Discover was my primary credit card. I asked why I couldn't continue to use the card I had until a new one was processed. I was told no and advised as to the amount I now owed on the present card. I have never been late in a payment and pay my total bill every month. I am absolutely outraged at their insensitivity and will advise everyone I know as their rudeness and unprofessional attitude.

Two men called me in the same call and said I missed July payment. It was a human error. I am 63 and my husband is in Renal failure and I have been juggling all of our bill. I told them and I begged them not to ruin my FICo score of 833. They said 'Pay $90.00 right now." My $10,000 credit line was reduced to $2500. They said that the small balance I had left was to be made in 4 payments of <$80.00. I paid them their 'devil' (word in dictionary) money with my Citi Bank Card (which isn't much better)..

In 2009, I lost my job and became very ill. The interest on credit cards started to climb. I got behind on my payments and had to enter into payment arrangements with six credit card companies to repay the money. Discover was one of them. I paid Discover $200.00 every month. My last scheduled payment - a payment which Discover indicated would be the last one was set for July 2014 in the amount of $200.00. Unfortunately, Discover miscalculated when the last payment would occur and the amount. My last payment turned out to be for $72.78 in June 2014. Instead of debiting that money out of my account, Discover debited another $200.00. In other words, Discover took an extra $127.22 that it was not entitled to.

I've been looking for one major credit card to have in our financial portfolio and I know lots of people with Discover Card. Well they sent me an offer of 10.99 but when I received the card in the mail it was 19.99. So I called to find out and was told that offer could be anywhere from 10.99 to 16.99. But that in itself was a lie. That is not what the approval agreement said. It said due to your credit history and rating you will get 10.99. Needless to say I will be cutting up this card if that is any indication of how Discover does business.

So happy to see other negative reviews on Discover Credit Card. I thought I was the only one that was dissatisfied. After today's experience with Discover, I have closed my account. They argued stating they have made "several" outreaches to me by email, mail and phone. I reported that I never received any of the above. Easily proven when they read back my phone contact number and it was incorrect so I needed to restate my phone number to correct them. So due to a $28.71 late charge that Mr. Mike ** would not waive, I closed my account accordingly after years of being a member. Hope Discover enjoys the $28.71 it saved because the $28.71 unfair charge lost me as a consumer and I will cheerfully share this experience with friends, family and co-workers. Maybe Discover should give Mr. Johnston the $28.71 as a bonus for a job well-done.

I wanted to renew my Avast software on my computer which is usually $34.99. I hadn't used my laptop in a while and after noticing my acct was charged at the beginning of May for $30 from Avast I decided to get on my laptop to see if it was my anti-spyware renewal. And for some reason it wasn't on my computer so I called Avast to find out what the deal was and the guy guided me through the steps of installing it and it still wouldn't work. So he then proceeded to try to do it himself taking over my computer and told me I had a bunch of viruses and I had to pay $174 for them to fix my computer or it wouldn't work. I told him I didn't want to do that and I just wanted the software downloaded like before. And he proceeded to do stuff to my laptop I have no clue about! I get an email saying my Discover card was charged $194!

A Discover Card was opened in my name by someone using my identity. Other cards and loans were also opened. Of all of the companies involved in this large identity theft, only Discover Card is holding me liable for ALL charges after closing account for fraud. Is this not an oxymoron? They claim I was aware of two "services". In truth I was but was unaware they were being charged to Discover Card. This was at the beginning of investigation and I knew nothing about Identity Theft at the time or I would have been more clear in my response. One service I never used. The other I stopped.

I am reading about the experiences and wonder what people think? If I have a payment due date and miss it (because of an asthma attack, car accident, or whatever) how in the world would I expect a company not to charge a late fee? I mean is there some little guy sitting there on the phone with Aunt Bea who told him what happened to me and so he knew to be neighborly and waive the fee?? Really! If there was a circumstance (and you are a good customer who never missed a payment in your life as everyone clearly is except me - I am good but not perfect) then simply call and explain the situation and I am sure you will be treated fairly. I have been a Discover customer since college when my dad recommended it as the best card to have "in case of an emergency" and they have always been more than fair and courteous... even when I was not faultless. So reading some of these really makes me wonder what people think!

I've been a member of Sam's since 1991, but had Discover as the charge account for less than a year. Have never been late on any payments to anyone in nearly 50 years, but when I went to Sam's in Nov to pick up meds, was in the midst of a major asthmatic attack. They did not have my meds and I left without leaving the payment, making it the next morning when the medicine was due in. I explained to the Sam's membership desk that I was due the night before and the young lady there recalled my asthmatic attack which echoed throughout the facility. It would seem that since they would have had the capability of a one time forgiveness, but no, the next month, I got hit with a $25 charge for the payment being late, even though I'd never been late for a Sam's payment since 1991.

Last Year, I used my Discover Card for a major International trip, costing $5000 for just plane tickets. Because they had a promotion, that said purchases will be interest free for up to 1 year, and after that year, the interest rate would be market rate, plus prime. I said I have to take advantage of this special. Anyhow, 1 year into making payments on the large purchase, I came to find out, Discover is now charging me 18% interest on my current balance. When I spoke to Discover Representatives, they said this is a standard procedure to charge high interest rates. I did explain to the Discover Representatives, my credit score is excellent, and my other two credit cards, have interest rates, no higher than 13.5%. Again, Discover could not do much to lower this, in fact they attempted several times, to convince me to transfer other credit card balances to this card. In addition to the ridiculous interest rates, Discover Awarded me $45 towards cash back bonuses, despite the very large purchase I made. Most Credit Card Companies, whether Visa, MC or A/X would have given generous points, or benefits, for my very large purchase. I find Discover Credit Cards to be misleading, and recommend potential customers to do extensive research before enrolling in this card.

We had our card for 26 years with no late payments and no interest paid. We travel by light airplane and used it all the time. In early October 2013, we flew to Cincinnati from western Colorado and paid for fuel with the card in Kansas City. On arrival in Cincinnati, our rental car was ready but the counter was closed and they could not run the card until the next day. Off to the hotel and dinner. Tried to pay for dinner but card was denied. Used Visa instead. Went back to hotel and asked if card was accepted but told it was not. Paid for that by Visa too. Early the next morning, got a call from the car rental company that card was denied there too.

No One Will Call You Back As They State. Do not Stand behind their Customers on fraudulent charges. FIND A BETTER COMPANY; LIKE VISA or MASTERCARD.

My wife signed a contract for a course that had a 3 day cancellation policy but the course was taught 2 months down the road. The company, Next Wave Marketing (Adrian Morrison) proved to be, in our opinion, a scam; and what my wife was told the course was to provide proved to be false. As such, the contract was not fulfilled and she received nothing of value for the $5500 spent. We filed a dispute with Discover and expected some help. They blew us off and offered no help. I consider this card to be worthless if you have issues with a merchant. After getting screwed by Morrison and Discover, I cancelled the card. I will never use their miserable services or card again.

Just a follow-up to my earlier complaint about Discover card. I read the agreement with respect to avoiding interest on balance. This is what I read on Discover website.

I paid off my balance few days after receiving my bill but Discover decided to charge interest on the $0 balance on my card. I initiated a chat with one of Discover Card Rep and she made me understand that since I didn't pay off my balance in the previous month, then I was charged interest. The question now is, at what time or date must the balance be paid off on a Discover card to avoid interest? Obviously there is no 25-day grace period as it applies to other credit card companies. For clarity, my balance was paid 10 days into the new billing cycle but Discover Card still charged interest and this kind of questions the way Discover card does business. This interest charged to my account is now carried into another billing cycle and I hope this wouldn't be subject to interest because at this time I am not sure there is a grace period with Discover card to pay off balance. If you are looking for a credit card, please stay away from Discover card or better still, check your statement each month to make sure there are hidden charges.

The best thing you can do is cut up your credit cards. The excessive interest rates will keep you slave to the lender for years. Best to pay cash for all expenses and not allow the desire to get you bound...They were only supposed to charge $3.00 for an item that was advertised and it ended up being $80.00... They would not return the money even after the item I got was sent back. Credit Cards are nothing more than stealing from the poor to give to the rich...

Discover denied a charge for china from Macy's. Our home burned & we are trying to replace everything. We have been waiting for this particular sale at Macy's to purchase china, an item that is very expensive but necessary to eat meals. I put in the online order. It was accepted. A few hours later my husband received a call from Discover asking if the charge was valid. He said yes, only to find out 2 days later when he went to pay for something else & the card was denied! He contacted Discover & found that the china charge was denied & the card was blocked. There was no explanation for this!! We had 50% off the order a total of $1,400+!!! The sale & discounts are over. We lost our china!!!!

I was late on one payment. They sent me a past due notice which I was going to pay when I got me SS check. Then the phone calls started at least 6 times day every day from Discover Finance for a payment. To me that is harassment. When I get my check I will pay the balance and then shred the card. I have been late on other cards I have had and never this problem.

I contacted Discover through instant chat and requested a reduced APR from the current rate of 28.99%. I have made payments every month on time above the minimum due for over 12 months (that was as far back as I could see on the site) and I'm sure much longer than that. The best they could offer was 6 months 0% on NEW purchases. I have not made any purchases in a year and am only interested in paying down debt. Their site claims that they will consider a lower APR for those with strong payment history, but that was not the case.

I recently opened a savings account with Discover and had accidentally double-scheduled a transfer from my checking account. The customer service representative was extremely helpful in fixing my mistake. As a result of the abnormality, Discover automatically defaulted into suspending my ability to transfer, but again, the representative fixed it quickly and followed up with me to make sure that I had no further issues. I've had their credit card for years and have always been happy with them.

Never been late. Never missed a payment. Never exceeded my limit... On a limited time basis, I carried a balance... Creeping interest rate ended up at 14.99%. Called to ask for a lower rate. No, no and no. Said I would have to reapply for a card. WHAT? Told them to ** off and was sent an email saying my card would be terminated if I continued to use that language... Well pay off the card... DONE.

I had a Discover card some years back with a 800 dollar limit. Lost my job but agreed with Discover to allow them to take 75 dollars a month automatically from my checking account. So for 11 years every month, without fail they removed the 75 dollars a month from my account. Things got harder for me so I had my bank stop paying this monthly payment. Actually I didn't have any money to give them. Things snowballed from there. I got a call from a collection agency telling me that I can settle the debt for 3,200 dollars. Now it seems to me at 75 dollars a month, I have paid Discover already well over 10 times the amount that the card was actually worth in total. How can I get them off my back?

I was a long term Discover Card carrier with excellent payment record, until I faced financial difficulties and threw me under the bus. I contacted Discover to see if they could place me on Hardship program, which they denied me. Now I am dealing with a Law Firm by the name of Zwicker and Associates Andover, MA. They're trying to garnish my pay and charging me high interest. The limit on the card was $15K. Now it's over $16K. If you ever received an application in the mail for Discover Card, do yourself a favor. Shred it or burn it up. I will never do business with Discover ever again.

I have had this Discover card for 5 years. My limit was $5,000 and I pay $125 a month. They offer you a low interest rate for a year and then raise it back up. Needless to say, after 5 years I only got it down to $4,000. I had a Bank of America card around the same time with an $8,000 limit. I made my last payment last month. Stay away from Discover!!! A rip off!!!! When you call the agents, get smart and say it's not their issue.

Being a divorcee, my credit has taken a hit. I have worked with a number of credit card companies to set up reasonable arrangements for payment. Chase Card Services was one of the best. Discover Card was the absolute worst. I was on a program from Discover Card that was decent. I was making headway and initially began to see the light at the end of the tunnel. After a year on the program, Discover informed me that the program has ended and that my interest rate would increase from 12.99 % to 19.99 % until I was eligible for the program again in a year. Needless to say, I have been stuck for a year trying to pay the credit card down.

Six years ago, I was a Discover Card customer. I used my Discover Card for all my monthly expenditures, and paid my account in full on a monthly basis. Due to what I considered to be dishonest and unethical conduct by Discover Card, I cancelled my card and closed my account. Now, despite numerous requests by me, I am bombarded on a regular basis with "We Want You Back" mailings. I have frequently asked them to stop harassing me, but they choose to ignore me. I DO NOT WANT FURTHER CONTACT WITH THIS COMPANY. Can anyone help? Is their type of harassment legal?

Discover Card has become an easy target for ID thieves. With just a few items about you, an ID thief can get past their customer service security. Then they change your address and phone number and request an emergency overnight card be sent. I have had this happen no less than 7 times in the last 2 years every time adding a (useless) layer of security protocol only to have a customer service rep fail to say "NO" when the security passwords cannot be verified. All of my other cards have no problem saying "NO". It's only Discover that this happens to.

I sent in a payment check that was cashed but not credited to my account. So far, I have heard to check back today and it still has not been credited. My experience with other cards is that the account is credited before the check cleared. There has been no offer to research or investigate until 10 days have passed which is past the due date.

My husband lost his job three years ago and we wound up building up some debt, but we always paid our bills on time. Our Discover card was always at 9.99% and we have never missed a payment. They pulled a credit report, saw our debt and raised our interest rate to 19.99% even though we were never late paying them. I called six months ago to have the interest rate reduced back to 9.99% considering we never missed a payment and trying to dig ourselves out of debt to my husband being laid off and the recent economic crisis!

The mailed statement states that minimum payment must be received by due date. When you attempt to make a payment online, it states that payment must be received by 5pm. I made a payment after 5pm and was assessed a late payment fee. I asked them to waive the fee. They refused. I feel like they were deceptive in how they stated the billing information.

I was recently involved in a horrific event (the Boston marathon bombing) and had purchased some things at DSW before I went over to the marathon to watch my brother's girlfriend finish her race. When the second bomb went off, we were right across the street and with everyone else we all started to run. My brother and I ran behind us into a hotel to escape through the back door away from Boylston St. when my bag was ripped and everything in the bag fell onto the floor. Well, I obviously wasn't about to turn around to pick up my stuff when there is a stampede of people running over it and not to mention we didn't know if there was going to be another bomb. So the next day I called discover to see if there was something I could do to wipe that off of my card because I didn't have the items and this was just an unforeseeable and traumatic experience.

Throughout several transaction disputes, I quit Discover in my life. They always stand on the side of the evil enterprises. They always believe the scam people, not the customers happily using the high rate cash back. Discover never cares about their customers. For future safety, I stopped all their services. I dispute the same cases through Visa, and Visa always takes care of my cases carefully. They keep tracking and figuring out what happened and what is happening. Visa does listen to their customers. If you meet any fraud transaction, do not expect you will get the money back since Discover will not help you at all. They will reverse the dispute whatever proof you provide to them.

I have read a bunch of the complaints here and I wonder how Discover can still be in business. I, too, have had an unfavorable run-in with them. I have been a good customer for a few years with them too; I'm never late on my payment. I always pay over the minimum payment required, etc., etc. In 2012, I had to use my card more often than usual because my little boy's dad had lost his job and was unable to help me with his preschool payment. On my salary, I could not pay the amount alone.

I paid my balance in full back in November. Somehow, I accumulated a $10 interest fee a month later on a zero balance. I discovered this when I ran my credit report and saw a 30-day late mark against my credit. I called Discover and they did credit the interest but refused to change my status with the credit bureau. A month later, I received a statement from Discover owing another $10 interest fee. I called Discover to complain. They did credit the fee but still refused to remove the negative mark on my credit.

In February 2013, I received a phishing scam email telling me that my "Discover card account statement is available" and encouraging me to click through. As I don't have a Discover card account, I did not click through. Instead, I chose to call Discover's customer service on 2/8/13 and was advised by a customer service rep named Lorena that my social security number was indeed somehow connected to an active account in someone else's name. She stated that she couldn't determine whether this was a case of deliberate fraud, or just someone inputting the social security number incorrectly.

I used my Discover Credit Card on 6/29/12 to retain the services of a merchant. He took my card and requested my signature for the $1000 retainer. I signed and we proceeded to draw up a "services agreement". On 8/10/12 an email from Discover Card notified me of additional new account balance due of $3000.The charges made by the same merchant were un-invoiced/unauthorized and alarming because the credit limit on my Discover Card was not high enough to accommodate the charges. I phoned the merchant to refute the charges and remove them from Discover Card. Office staff were unable to help and advised the merchant would get back to me the next day. For 4 days I attempted to contact the merchant and on each occasion was given a different account of the merchant’s whereabouts.

I saw this commercial recently: "We treat you how you would treat yourself" **. They hung up on me because I said I was recording them. No one else has a problem with that. In fact, they record you. So it is rude of them to say it is okay for them but not for you. Evil company, stay far away from them.

In 2011, I was checking my credit report and discovered that Discover Card had put the comment "Resolved in bankruptcy" on me and my wife's credit reports. While they had this on our credit reports, they continued to send up statements and charge late charges and high interest rates. I finally told them after months of trying to resolve their mess that I considered this matter closed since they had violated the Fair Credit Reporting Act and put libelous information about us on the internet. I later heard from three different collection agencies, and they disappeared after I told them what Discover reported. Last month, I was served with papers to appear in court to answer a suit a fourth collection agency filed. I am sure that I am not the only one Discover has done this to. Please contact me and we might have a class action suit.

I tried to cancel my Discover Card by calling their customer service. They switched me immediately to a fast-talking rep who said if I automatically route all my Telecom monthly payments into the Discover card, I would get a 5% discount. I did, and after a few months I realized I wasn't getting 5% or even 2% but only .2% (that's two-tenths of one percent). I called again. Turns out Discover switches these offerings monthly to attract customers, and then collects the difference from the promised rate and the (subsequently) switched rate - bait and switch all the way. I again called a customer rep and asked how I could get the "call may be recorded for quality control" to prove their rep offered 5%, and was put on hold, and then the call was cut off. There is nothing good about this credit company. They should be shut down or some darn thing. Do not use Discover Cards.

Discover Card has the worst business practices - lost records: After not being able to log into their online account services, I called the Discover Card services clerk on the telephone and she refused to help me because Discover lost the Power of Attorney paperwork I had sent them in March/April 2012. It was obvious that I was the authorized manager of the credit card account (the telephone clerk acknowledged that all my contact data is on file for the account including mailing address, telephone number, SSN, email address, etc. on the account), but because they did not keep the POA on record, they refused to help me check for fraudulent charges or even reset the password to the online access to the account.

I have had the Discover card since 1997. In 2009, I was late on one payment by three days. Discover immediately jacked my interest rate to 29.9%, and has refused to lower it for any reason. I have a FiCO score of 701. In a nutshell, that's it. After refusing to lower my rate (at threat of 0% interest rates for a year from other companies), I got one of those 0% cards and transferred most of my balance to the new card. I will pay the remaining balance off in just a few months. If Discover will not work with a customer who was three days late on one payment in 15 years of having the card, they are not worth your time.

I recently applied for a Discover Card. A month later, I am now receiving extremely disturbing and rude calls from telemarketers to my personal cell phone. They used my first name, talked about my town and home, and acted like they know me to keep me on the phone. Discover says they have the right to sell the information and do not have to inform us. There is also no "opt out" that they would give me. They no longer have a Discover customer.

I have had several problems with Discover, since getting my card about a year ago. The first problem was trying to determine exactly when the billing cycle was. I was trying to pay off the balance each month, so as to avoid paying interest. Since I hadn't gotten a statement yet, I called to find out when the balance was due. The representative told me I had no balance due. I knew about how much I had charged, so I went ahead and paid that. It's a good thing I did, because it was almost 2 months before I got an actual statement and later realized this is a ploy to be able to charge interest.

Absolutely unwilling to work out an amicable solution: I started with a Discover Card that had a $400 limit. Payments were due on the 21st of the month. My balance at the time was $376. I mailed my payment of $25 on the 5th. Upon receiving the next statement, I saw my balance has jumped to $478, even though I made no charges. The culprit was the payment, which was mailed on the 5th and not posted until the 28th. I was assessed a late fee of $35. The late fee put me over my credit limit, which brought another $35 fee. They also raised my interest rate to 29.9%.

I lost my job in Sept. 2008. I was working with a staffing company. In 2008, there were more people losing their jobs than people keeping their jobs. Thanks to the Republicans like Bush. Their hard work put a lot of people out of work. Anyway, it took me four months to find a job through the staffing company. At that point, I decided it would be better to go back to school since I live with my parents and complete my degree in Business Administration. So, I didn't take the job and went back to school. I loaned my Discover Card to my father who owns a business. Dad used the card to pay off two bills totaling $5,000. I live with my parents and they don't charge me to be with them, so I decided to help out my dad. Sure enough, the Security Department contacted me to see if I had placed those two bills on the card. I told them that I did.

You cannot purchase Amazon.com mp3's with Discover cashback bonus even though they advertise a dollar for dollar exchange. This is outrageous! Neither company tells you this upfront. In point of fact, you have to go to the help link on Amazon and click on 'Shop with Points' in order to find this out. You (the consumer) are not told this on the Discover page. (Did you know that you can pay with Cashback Bonus at Amazon.com? **.) Please complain loudly and repeatedly about this. These companies have conspired to make it as difficult as possible for you, the consumer, to redeem merchandized money that they owe you. This is gutter capitalism and they make a lot of money from your willingness to go with the flow. Please complain!

I am in a debt relief program to help me with my financial hardships. Discover refuses to work with my attorney. So, they are garnishing my paycheck. I don't make enough to have another bill on my back. I will definitely lose my home. I have done research and there are over 2000 complaints against them (consumers with the same situation as I). Please help!

I had a bankruptcy proceeding 6 years ago. At that time, I had a very small amount on my Discover Card and decided to keep it, just in case I have a household emergency. I talked with one of the agents who said that if I made payments of a certain amount for 6 months or got a certain amount paid before x date, my interest rates would go down. I gave up everything and anything to make those payments on time and yet, when that date came, Discover claimed that there was never such an agreement. So up went my interest to I think 28%. I then ran into more trouble, 2 family deaths, I lost my job, got sick and developed COPD. Collectors called with threats, nasty comments about old people not having any honesty, why should they give me any consideration? And so much more.

My account was closed on January 31, 2012 by the above named law firm for accrued excess money withdrawn from my account in the past months, to pay off Discover card my outstanding debts for the months of January through April 2012. Unfortunately, March bill was not paid and I ended up paying Discover card an additional $182.80 to close my account with Discover, despite the fact that money has already been electronically forwarded to pay off all my outstanding bills for the months of January, February, March and April 2012. This means $423 + $182.80; a total of $605.80 of my money that was not applied to Discover card for the month of March 2012 is still in the hand of the law firm, yet Mr. ** is telling me that I am not entitled to reimbursement.

I had no problem with Discover, until I lost my job because of a layoff. I was falling behind on my payments on all my creditors. I called and wanted Discover to work with me. Like the other credit cards did, they lowered my interest rates for x amount of months and waived any late fees. This was to help me along until I get back into the work field. With an automatic withdrawal, they would not charge me the late fees and lower my interest rates. In return, I could not use my credit card until my financial status improved. That was fine with me. Discover did not help me out at all. Instead, they raised my interest rate to 20.99%. I pay them $90.00 a month and $76.22 goes to interest. I have been paying this like this for 3 years now.