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Posted by Charles123 on 04/09/2006
In an attempt to cancel my Discover Card to my suprise they flat out refused and insisted I provided them a detailed explanation of why I don't want to transfer a balance from my other credit card. Poor business practice. My advise stay away from DISCOVER Card. I have filed a complaint with the Better Business Bureau.

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Posted by viperpa33s on 2006-04-10:
I don't think your telling everything cause they have to cancel your credit card upon request even with a balance. They would be breaking federal and state banking rules if they didn't.
Posted by Discoverhater on 2006-04-10:
Below is a letter I faxed to Discover Card regarding my account closure so I have proof if they try to charge me for anything once I have told them to close the account. Discover will outright lie to you and they will claim they "never got the request" or they "do not show any notation on the account regarding this matter". Protect yourself by documenting all conversations with Discover Card and faxing Discover Card a letter detailing and confirming the communications. Discover's fax number is (801) 902-4597.

Plano, TX
March 28, 2006

Discover Financial Services
PO Box 30949
Salt Lake City, Utah 84130-0949

RE: Consumer Initiated Closure Confirmation of Discover Card Account # 6011-xxxx-xxxx-xxxx.

Dear Discover Financial Services:

Please let this letter serve as official notice and confirmation to Discover Card that the above-captioned account is hereby closed, effective immediately. No further fees or charges will be honored hereafter. Further, you are hereby instructed that I do not wish to be contacted by you regarding this irrevocable cancellation of service. I initiated the account closure by a phone call to 1-800-DISCOVER on 3-24-2006 at approximately 7:20 PM CST. The Discover Card representative stated “I have put in that request for you…” but she did not actually say the account is closed so this letter will confirm the account is closed, per my request, and Discover Card needs to confirm closure of the account on their end. The representative expressed no remorse over losing a longtime cardholder nor did she attempt to retain my business or ask me the reason(s) why I am closing the account. Discover Card has lost our business during our lifetime. Please remove my name and my spouse’s name, Xxxxxxxxxxxx, from all mail and phone solicitation lists, as we will “NEVER” use Discover Card again. I do not want Discover Card to contact my spouse or me by any mean(s) of oral or written communication(s) for any future business.


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Discover Card: Fraud, Bait and Switch, RICO?
Posted by Honest Abe on 05/20/2008
I was solicited by a Discover Card Representative to make a balance transfer. Her come-on was that the balance and related purchases to the offer would be interest free for the life of the balance with a defined % monthly retirement. She had stated that the conversation may be recorded for quality control so my son also recorded and witnessed the conversation. She basically said that she had checked with her supervisor and after my requesting and reconfirming Discover's offer of 0% for the life of the balance and related purchases, I agreed to the transfer conditional on the exact terms and conditions which were offered.

Now as you can guess Discover has refused to honor the terms of the transfer and they are playing the game of misapplying payments to interest charges. Via certified mail I have disputed their interest charges and have sent them a copy of the recording of the transaction with their representative and an affidavit by my adult son, clearly setting the terms and conditions at 0% for the life of the balance and related purchases. They have ignored the issues of the dispute and are attempting to bully me into accepting their after-the-fact changes to the terms and conditions of the transfer.

(No Discover representative has called me who has read the dispute file, listened to the recording, or who has the authority to resolve the matter.)

I have discussed this with my attorney and he feels that with the recording and having a witness, if negotiation fails I will have strong grounds on which to sue Discover for Fraud, Breach of Contract, Bait and Switch as well Defamation of Character. Also I have discussed the matter a Federal agent who thinks that Discover and their officers may have criminal liability under the RICO Act.

I just wanted to put this information out to allow other Discover victims to know that there may be future civil and criminal litigation aimed at putting a major dent in Discover's wallet, which seems to be the only thing they care about. (Wouldn't it be nice to ask Discover Card, "what is in your wallet" and they had to say, "nothing since we lost the law suits".)
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Posted by Slimjim on 2008-05-20:
Your attorney feeling good about a suit is encouraging. I'd keep in contact on this with him to see how serious he/she is and when to break off negotiations and file the suit, which no doubt will have all those punitive damages attached. BTW, "What's in your wallet" is actually Capital One's slogan.
Posted by cherpep on 2008-05-20:
What is the definition of 'related charges'? Does that mean that any new charges would also receive 0%? The only offers that I've seen are where they say 0% on the balance transferred. Then, when you make payments, all the payment $$ get applied to that transferred balance. If you put new charges on the card, they get the full interest charges and your payments do not get applied to that part of the balance until you pay off the tranferred balance.
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Discover Card Does Not Honor Commitments They've Made
Posted by Blues Fan on 02/21/2010
My wife lost her job and it was becoming difficult for us to make our Discover Card payment. I called them and the customer service representative told me that we qualified for a program where they would close the account and have an agreed upon amount automatically taken from our checking account on a designated date each month. They reduced our annual interest rate to 7.00% annually. The representative enthusiastically told me that as long as we made these payments on time each month, we would continue to qualify for this reduced interest rate. Money was tight with the loss of my wife's income, but I made sure that this bill was paid on time each month because with the interest rate being so reasonable I could see our balance lower each month. In fact, the Discover Card representative told me that if we stayed on program the balance of our Discover Card in five years.

To my surprise, when I received my January 2010 statement it indicated that only a minimum payment was due, which was less that the amount I'd agreed to pay on on the repayment, and the interest rate had increased to 29.99%

I though there must be some mistake so I called Discover Card. After being transferred four times to four different people, the only answer I was able to get from Discover Card was that this program was only for 12 months, that their representative was incorrect when he said that I would be elible for this reduced interest for the next five years. The only suggestion was that I call a credit couseling agency. They made absolutely no effort to live up to the promises they made me when I enrolled with this program.

The U.S. economy is the worst it's been since the Great Depression, millions of American have lost their jobs, house foreclosures and bankrupticies are at record levels, but Discover Card doesn't care about this - they just want to make sure that they collect their "loan shark" interest rates. Credit card companies are "organized crime". I've had a Discover Card for over 25 years. I feel like I've been duped. I will never give them my business and will recommend to everyone I know that they do the same.

Chase Bank and Well Fargo set me up on similar programs to repay our credit card after my wife lost her job. Gues what I'm still on these programs, they getting paid a reasonable rate of interest on the I the credit card balance, and I'm watchin the balance go down each month. It's too bad that Discover Card is so greedy, that they won't let their cusotmers continue with this program during these trying economic time.

Don't do business with Discover Card they have no integrity and don't live up to the agreements they make!
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Posted by Anonymous on 2010-02-22:
Could it be that they said it was a five-year payment schedule? i.e. The payment amount was the figure it would take to pay off the balance in five years.

It doesn't seem likely that they would commit to reduced rate for the term of the loan, for all they know your wife could have been back at work for months.

Your best bet would be to call and see if you can negotiate the rate for another year at the same terms.
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Loyalty Means Nothing to Discover
Posted by Superman69 on 04/25/2009
GLENDALE, CALIFORNIA -- My mother-in-law has been a loyal Discover Card holder for over 23 years and has never been late, not once.

Recently, she received a letter that her interest rate got bounced up to 25.99% from 12.99 because of the economical crisis that Discover is experiencing. My mother-in-law is on a very low fixed income from her Social Security and barely gets $800 per month to live on.

Also, do to a flood of her living space, many of her papers were destroyed, including her April 2009 Discover statement, so she thought. So immediately Discover charged her a $40 late fee...her balance is less than $1000 and she has a $18,000 limit.

So my wife called Discover on behalf of her mother and pleaded with customer service to reverse the fees and lower the interest rate and they said that if she make the payment by phone for April and May 2009, then they might reverse the late fee only after the payment is processed and then my mother-in-law needs to call to request the reversal herself (she hardly speaks any English), but there is no promises or guarantees. As for the interest rate, there was nothing that Discovery can supposedly do.

So basically, Discover is trying to rectify the money they are loosing from the poor economy by charging their perfect to nearly perfect customers more than twice the interest rate, and not showing any loyalty back to their clients that have a perfect record. What kind of Customer Service Oriented Financial Institution is this? Its a Rip off and the CEO David Nelms is responsible for everything that happens with the company and its financial supporters - MEANING ITS CUSTOMERS.


This is far from being over and we will pursue justice on behalf of our mother until the CEO, David Nelms gives an answer himself!!!

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Posted by prettyinpink1234 on 2009-05-02:
No matter what when you are late the rate goes up, its done by the computer. If you speak with the closure dept w/in 60days they usually can reinstate and recalc finance charges but you have to ask. And your mom just needs to say (when she calls in) she gives you or your wife full permission to make changes on the acct.
Posted by superman69 on 2009-05-04:
PrettyinPink1234, I appreciate your comments, but they raised my mother-in-law's rate prior to her being late. And my wife does have power of attorney over her mother's "everything".

Thank you for your advise, but what it comes down to is that there is no customer loyalty. For everyone that has credit card, which God knows there are 100's of millions, they, including myself, are slaves to the lenders and the lenders have no loyalty towards you - no matter what
Posted by prettyinpink1234 on 2009-05-06:
Your wife doesnt need power of attorney to speak with them she just needs your mom to say exactly "i give (insert your wifes name here) full permission to change anything" after they verify info. this is what she needs to do each time if your mom doesnt want to talk to discover (b/c i only know it works for discover, i do it for my mom b/c she has bad hearing)
Posted by Shoelover on 2009-05-13:
I had this problem recently with my Discover card and two Visa cards because my husband is the Primary card holder. The card holder must call the credit card company and ask for a form that will allow her to add another "owner" to the card. Then once it is received fill it out and send it back in, then your wife will have full access and by the way also be financially responsible for any balance on the account. It took my husband several phone calls to get the correct paperwork mailed to us but once we got it it did not take long for them to add me as an owner. I have found this is the only way you can do this and the customer service reps. at these institutions rarely explain this to you on your first call. Good Luck!
Posted by MandyCakes on 2009-05-30:
I can honestly tell you if it was her first time the late fee and interest rate would be reinstated. Someone is not telling the truth or does not know the account history!
Posted by Bill Johnson on 2013-06-17:
Discover Card also rips off its’ investors and even the taxpayers. They got themselves labeled a bank in 2008 to get TARP money. Instead of cutting expenses and acting responsibly, they decided to start sending 53 of their employees on trips to Key West twice a year, Las Vegas, Aspen, Miami, New York, Hawaii, etc. every year since. They are called the Local Markets group, and get paid to travel at least once a month to pretend they are putting up Discover stickers! The management knows this is happening, and won't stop it. They are still traveling, partying it up, and doing nothing. Most take a friend or family along, most of them do nothing at all but travel and stay at home getting paid in between trips to lay around. Unreal in this economy! It is criminal!
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Awful Service! Don't Do Business With Them!
Posted by Sierra.teal on 03/28/2013
SEATTLE, WASHINGTON -- This Company and its employees are plain awful! First, the notifications for payments don't always go through then they charge you for a late payment and call you non stop (even if you have made payments through out the month that equal up to or more than the min payment due). Then they con you into making a bigger payment then you really need to by saying that that is the minimum payment due when in reality it is not. When you call to get this worked out the banking services department's employees are incredible rude. They talk over you and insist that you have been talking over them (and in order to insult you they had to talk over you..).

Also they talk as if they are lawyers and know your rights better than you know your own (I did my research and my father is a lawyer). Then when you insist to talk to a supervisor they insist that they don't have one, so they are either lying or poorly run. Also they cash back only works once you have $50 worth of cash back.

Until then you are required to use it at Amazon (this is a stipulation they don't make clear when signing up). All in All this is one of the absolute worst companies I have ever had to deal with! I would suggest that you DO NOT DO BUSINESS WITH THEM EVER FOR ANY REASON seeing as though their main issue is customer service and stealing money.
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Posted by bcd on 2013-03-29:
My experience with Discover has been quite different. All of my payments have been properly posted on the correct date. They have never claimed that I failed to pay at least the minimum due and I have never been treated rudely by their customer service reps. I have never used my Discover card on the Amazon site yet I have received several hundred dollars in free rewards. Discover Financial Services is one of the best and most pleasant companies I have ever done business with.
Posted by ok4now on 2013-03-29:
I have to agree with bcd on this one. I never had any issues with Discover or late payments being posted. The one drawl back using this card is not all merchants except it. Had the same problem with AMEX. No problems with my Visa issued by Chase or Capital One.
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Change in Payment Due Date
Posted by Scrappy7 on 07/02/2009
Discover customers should note that the company changed payment due dates for many of its customers as of June 2009. This policy, which was affected to create a 5 day window between due dates and statements closing dates, was outlined to customers in a letter sent in April 2009. While I did get the letter, it was full of fine print and details and I didn't really get how it would impact me until I got my June statement. For the last several years I have had a payment due date of the 19 of the month with no late payments. My due date was changed to the 15 and therefore for June (I paid 6-19) they charged me a late fee and jacked up my interest rate by 7 points due to late payments. I called to complain and they did agree to change my rate back and credit the late fee; but I am still really angry because they probably did this to thousands of customers who have not figured it out yet.
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Posted by goduke on 2009-07-02:
So can we assume the monthly statement didn't indicate the due date on it?
Posted by Slimjim on 2009-07-02:
Honestly, they sent you notice you didn't read through and still reversed both the late fee and interest hike. You should be as much thanking them for acknowledging the situation and doing what it took to satisfy you.
Posted by BokiBean on 2009-07-02:
Thanking them? Yeah right. Why not bow and scrape and just kiss their collective loan sharking butts for hitting him with a late fee (that should have been waived for anyone who missed the due date on their first change-of-date payment) and jacking up their interest rate to boot. Yeah...thanks for all that.

Its nice to hear of a consumer who cares about the other guy who may not be as savvy about his finances. Nice review.
Posted by MundoCaniDog on 2009-07-02:
Missing his due date has nothing to do with whether he is savvy about his finances. It has to do with him not paying his bill when it was due. They forwarned him, and you know they included the new due date on his bill. Why is this Discover's fault? Why are they the bad guys? They were well within their rights to not waive the fee, but they did, and yet they are still on the wrong side? Bull. They offer a service no one is forced to use. When you choose to use it, then you play by their rules, not yours. When you can't play by the rules, don't say it's their fault. Don't like it? Find some other way to live beyond your means.
Posted by aba2415 on 2009-08-01:
they did warn you. how is that discover's fault???
they include the fine print so you can have the details. is it also discovers fault you didn't read it?????
they waived the fee for you. move on.
those thousands of other customers probably didn't read the fine print either which is included to INFORM you.
Posted by GJG on 2009-08-15:
Okay, I have a similar situation, but I truly believe they pulled a tactic on me. I have always paid my card on the 12th online. I did not realize nor did I read the letter I may have been sent (I'm not sure I received one as I do on-line statements only). They then changed it to the 8th of the month. Got my statement, saw a late charge assessed, call them and they credited it, although my interest rate was still raised (I will explain why in a few minutes). Went to make my payment this month and the due date was changed back to the 12th. Then I tried an experiment and tried paying it past the due date and it would not let me!!! Why didn't this happen in July??!?!?! I never would have been able to make the payment late.

Ok, so they said they could not reinstate my payment because my card had required at least $50.00 in purchases a month. Last September 2008 when the $50.00 purchase requirement began, I decided to use auto-pay on my Comcast account with this card so I would not forget the $50.00 in purchases requirement. Well, Comcast charged my card on the 12th, Discover shows the transaction on the 13th, and shows it posted on the 14th. My statement ending date was the 13th. Why I am being penalized for a business or Discover not posting my transaction on time? My Comcast statement clearly shows I paid it on the 12th, my statement batching number from Comcast shows 0912. They said $50.00 in purchases, not posted to your account (what if the business lost power and couldn't send their credit card batch in?) So now with the late payment and them reinstating my interest rate already once back in October 2008, they now say I have violated the agreement. Does anyone think this sounds fishy?
Posted by Eloise on 2009-08-15:
Very well put, Mundo! VH
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10+ Years Gets Account Closed
Posted by DissedByDiscover on 06/24/2009
NEW CASTLE, DELAWARE -- If you're considering getting a Discover Card, please reconsider. Discover was my longest held credit card until they recently closed the account.

Apparently perfect payment history and a decade of loyalty meant nothing when they reviewed my account and determined it wasn't being used as often as they liked. Asked how often they expect the card to be used, they replied, "It varies." Writing the "customer advocacy" department is pointless because they are not interested in maintaining loyalty.

Discover is an inadequate credit card and is not accepted at many of your local vendors.

Remember to ALWAYS pay your credit card off within the grace period. Just do it with a MC, VISA or AMEX.
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Posted by Slimjim on 2009-06-24:
I've never had my Discover card not accepted anywhere I've presented it. More places won't take AMEX before Discover.
Posted by aba2415 on 2009-08-01:
They probably closed the account due to inactivity. it costs credit card companies money to have inactive accounts open. So why would they keep yours open? & i'm talking years of inactivity, not weeks or months. so yes, I would expect them to close your account if your not using it regardless of your history. If your worried about your credit score being affected, I would suggest trying to reopen it. Discover allows customers [who are eligible] 90 days to reopen the account. In your case I'm not so sure because it was a system closure. Doesn't hurt to try.
Posted by mobius009 on 2010-05-28:
I agree with your distaste for Discover Card. My situation is identical to yours except now they tell me that Fed law now prevents them from reopening the same account, I would have to apply for a new account. You would think they would give you a notice before performing an irreversible action.
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Arbitrary increase of rate for good customers!!
Posted by ChristiS on 12/06/2007
The following is a letter sent to David Nelms, Discover Financial's CEO, by email and fax -

"I have been a Discover Card member for over 6 years now and until today I have been pretty happy with your company. Unfortunately, I just learned that my interest rate had been arbitrarily increased from 11% to almost 16% for no good reason! The “reasons” given me when I pressed your customer service agent were that some of the following may have applied and thus the company felt justified in penalizing me by increasing my rate: (1) long standing card holder (for greater than one year) – isn’t this a good thing? To be celebrated???; (2) interest rate currently less than 20%; and (3) less than monthly usage. The first two are correct, and the last is absolutely not. I use the card often, have maintained a healthy balance for you to make money off of for a long time, and always make my payments and in excess of the minimum due. How does this qualify me for a penalty???? You have just lost my business. And my husbands. I will also be posting this disgrace on consumer websites so others are not subject to this behavior. How dare you?

Note that I have just made arrangements to close my account and will be paying off the balance in full immediately. You are a grave, grave, grave disappointment as a company."

Please pass along this infuriating and unfair behavior to other unknowing card holders.... I makes a person feel like doing the right thing isn't even good enough any more!!!

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Posted by Greg54 on 2007-12-06:
Heard a news item on this just the other day. The credit card companies are doing this as part of their "risk management". Doesn't matter if your account is "perfect" with them or not. If there's been a drop in your FICO score, you've opened another credit account somewhere or any one of numerous other reasons, they'll jack your interest rates up.
Posted by FoggyOne on 2007-12-07:
Greg54 is right - anything negative (NSF check, insurance claim, etc) in your day-to-day living can change your percentage rate upward for many cards.
Posted by TiredOfThisToo on 2008-03-20:
Joining the defensive against Discover here too. Selective and dramatic APR increases on "The Good, Revenue-Generating Customers" is definitely an ugly display of greed or a failing company! I too was part of this "Selection." However, the only answer I was given regarding the shocking rate hike was that it was done to help keep the company competitive?! What?! Granted, I don't know the company's true current situation. However, I can see no good strategy in this move on behalf of Discover Card. I was loyal to this company and actually enjoyed using their "Miles Program". However, now I feel financially abused by a company that I allowed myself to trust. Goodbye Discover! Hello Better Business Bureau, Local, State, and Federal Government Official Representatives!

You know what would really be a shocker? To see an apology and reimbursement?! Who's holding their breath?!
Posted by aquasue on 2008-04-14:
Discover card is doing just fine...they are changing rates to be more competitive. Pay your account off each month and you wont have any finance charges. Discover is the only card with no annual fees! You will see increases in your rates if you become delq with any other bills...thats how the world works. Just like your car insurance it will go up if you are delq on your home loan. Just a fact of life. Once you go to another card I bet youll see they are much better than you think.
Posted by CreditCardAdvice on 2008-05-01:
Yup I'm standing by aquasue here.
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Discover Raising Rates 20% to 25% ??
Posted by Kencorp1 on 10/03/2007
MCLEAN, VIRGINIA -- In a world where the Feds are lowering rates as the economy tanks due to Real Estate, Discover has the audacity to raise rates on consumers!

We will save money on mortgages, but will have to turn around and give it to the greedy credit card companies.

They entice you into a higher limit, and in fact reward you for getting there. Then, lay in wait.

I have been in possession of a Discover Card for about ten years now. Two years ago I called Discover and asked why I was not getting "Cash Back" or "Rewards" like they advertise. Their answer was that I was set at a special rate of 14.99% while everyone else was at 18.99% I "Discovered" this was not the case. Several people were at the same rate as I and did get rewards.

Here is the best of all: On the card they sent to notify everyone they state that if you disagree with this rate hike, just write them and tell them. However, If you do this, they will close your account and demand you pay all of what you owe. Is this not intimidation? A threat to whistle blowers?

Send this out to everyone you know and just maybe they will see that consumers are not going to take it!!
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Posted by Slimjim on 2007-10-03:
Yeah, I don't understand that. My Discover has a lower rate which I never even utilize it as I pay the balance in full each month. I still always received the cash back bonuses.
Posted by Timboss on 2007-10-03:
How is that a threat to whistleblowers?? A whistleblower is someone inside the company not a customer.

slimjim has the right idea - pay off every month. Why pay 15%-20% for everything you charge? Would you go into a store and buy something for cash if you had to pay 20% more than the price tag says?

And to see what you are due or not due, look at the agreement you signed for your credit card. It should be spelled out there in tiny print. Do not rely on customer service telling you.
Posted by Anonymous on 2007-10-03:
I do what Slim said he does and have no problems either.

I would take Timboss's advice because it is very good advice and spot on. Good luck on your quest
Posted by Extended Warranty on 2007-10-03:
If that's what it takes to keep the 5% cashback around, then I'm fine with it. For all I care the APR could be 80%. I've never paid an ounce of CC interest and don't plan on it anytime soon.
Posted by Anonymous on 2007-10-03:
Discover card is not universally accepted as Master Card or Visa. They need to make their profit somewhere. By increasing customers’ APR is a good way to recoup lost profit. This is why I cancelled DC years ago. I cannot use DC at my favorite shopping places, they do not take DC.
Posted by Ponie on 2007-10-03:
I don't even know the rate charged by my CCs.
Posted by Anonymous on 2007-10-03:
I don't know the rate charged by ponie's CCs either.
Posted by Anonymous on 2007-10-03:
I don't even know if Stew has a CC!
Posted by volleyballmom on 2007-10-11:
I got the notification in yesterday's mail that they are raising the APR to prime plus 15%. I was paying approx. 17%, now it will be almost 26%. This is outrageous! I called them and said that I've been a good customer, have always paid my bill and paid more than the minimum and couldn't existing customers be given a break, but of course the answer is no. I am going to pay off the balance and cancel the card, and I hope all their customers do the same.
Posted by bengalsfan on 2007-10-23:
I also received the notice that they were raising my interest rate from 15.99% to 20.99%. I have been a Discover cardholder for 10 years and haven't made any late payments, always carrying a balance. So, rather than cancelling my card (because I like the cashback bonus awards), I am simply transferring my Discover balance to another low-interest credit card. I will continue to purchase things with my Discover card to obtain the 1% and 5% cashback bonus awards, but will always pay the balance in full each month so that they don't receive a dime of interest from me.
Posted by jpcerutti on 2007-10-28:
I also was a customer of 16 years and received the October notice that they would be raising my rate 5% to a 24%APR. After calling to inquire why they offered to lower it back to 16%, the same rate they offer for student cards, and insisted they could offer me no better. Their advertizing of 11% for new accounts seemed to indicate otherwise. I have excellent credit so opened an account with another vendor, transferred the balance, and closed the account. A free bonus on the Discover cancellation call was a threat of affecting my credit rating and hanging up on me mid-sentence.
Posted by jpcerutti on 2007-10-29:
An update. Apparently 400,000 Discover Card customers were chosen at random to raise their rates 'to remain competitive' - my guess is that's corporate speak for covering subprime defaults and 0% introductory APRs. The link is below:

Posted by browserA on 2007-11-01:
get another credit card from a reputable creditor then transfer your balance to their so you can be a new customer again.
Posted by aquasue on 2008-04-14:
If you are not getting the cashback bonus you signed up a long time ago under a different card. The difference with Discover and others like HSBC is they will switch you at no extra cost! Just a fyi...Discover card doesnt have any lower rates than 10.99%...they can raise your rates anytime they want...that is typical in the industry..but DC works with customers more than other banks..just call them and talk polietly demanding will get you no where. Just a fyi to all consumers if you cancel your cards that takes your FICO score down so becareful doing that!
Posted by CreditCardAdvice on 2008-05-01:
I work in the APR department at Discover Card all you got to do is call us were there to help you not fight with you (so be nice) What likely happen is you got repriced there are 2 ways repricing is done 1. Credit Bureaus are reporting back to us and all your other credit cards, cell phone, loans, morgages anything thats on your credit. Things that are affecting your credit there is 200 differnt things and when we get that report we will raise your rate because your a higher risk. Discover sends out a letter 3 months before the new rate goes into effect and you have the option to close out the account and there is a 1-800 number to call to have us re check your credit ie your late with another company and they havnt cleared it off your credit if you call them and they refunded you the late fee. The other way repricing is done is well because we raised your rate because we can at anytime its not differnt than your cable bill going up and every credit card company does it. All you need to do is call us talk to the apr department and they will work with you on lowering your rate.
Posted by Kencorp1 on 2009-01-30:
Dear CreditCardAdvice (post above),
Not sure why I was repriced. My credit score is 789. Per your statement, this would have led me to an increase in credit, not a higher interest rate,and especially in an environment where our tax dollars are given to the companies to do just the opposite. It appears you are a typical employee that has been brainwashed. Face it, you are trained to say just that. BTW....your boss took home a multi-million dollar bonus this past year end. Want to guess where that came from? Screw greedy Discover. I cut the card up. Don't need it, and refused to be treated like that!! Oh yea, BTW...start getting your resume together. That Muti-Million dollar bonus will be devouring your job soon.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Liars, Thieves, scam, rip-off, none compliant,unwilling to a settlement
Posted by Valerie.jorgensen on 11/06/2013
SALT LAKE CITY, UTAH -- First Off, I (We) have been dealing with Discover for some years now. And like many complaints I have read I feel someone wrote it for Me!! Not much is different in the way we have been treated by these ruthless individuals. One thing, are when we had about 3,000 on the card We stopped using it. I usually paid $10 or so over the min. Payment amount just to be ahead a little. Well seemed like the bill kept getting higher. .. When I called they always told me my payment was late. .. the payment due date was ALWAYS the 13th. & was auto. Draft from my bank account. .. So if the 13th landed on Sun. The payment automatically came out Mon. A. M. .. Hum, it was late to them. Even though they said it wasn't, I could see the out come on the next billing cycle. We were suppose to be paper-less Billing!? How dose that work!! We still get monthly statements & internet billing. I have not charged on my card for 3 yrs. In fact both have been cut up. My bill is over 5,000. Let me tell You also I have offered them 3,000 for a settlement just last week. Believe me when I say the answer was No. Were not excepting "any" settlements at this time. WTH!! Question now what can we do. Who out there can help Us and Numerous other who have been taken? I'm very much believing from reading one other review that Discover is in fact IS a White Collar Terrorist Organization Operating with Impunity in the United States.
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