Discover Card Credit Cards

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Discover Card’s Service Belongs to Third World Countries
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SALT LAKE CITY, UTAH -- When I was living in US, Discover had been consistently sending me advertisement about their cards. Although I was already happy with my current credit cards, I thought I could give Discover a try in July 2010. The result? I was really offended by the disturbing experience Discover representatives threw at me. Their incompetence forced me to sacrifice valuable time and other goals in a pressed schedule (so pressed that I had to travel and slept in a car outside to meet schedule), only to make a successful payment to Discover.

So here was how it happened. After I used Discover card for a while, I needed to move to Canada, so I used IP relay service to call Discover (as a hard hearing person without land line at home, IP relay was the only communication method for me with Discover) and required an address change. Suddenly the relay operator told me the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online.

After my account was locked, I immediately contacted Discover security department to verify my identity. I informed the Discover representative, Kay, that I couldn’t hear sound so I couldn’t pick up their call. Kay insisted that their record showed they had spoken to the cardholder so they would still go ahead and call back. Well how could they have the record of calling me when I couldn’t communicate through phone and never met them in person? Therefore it is either (1) this Discover representative was a liar, or (2) the representative was unprofessional and didn’t know what she was talking about.

I was still willing to give Discover another chance. Several days later I successfully verified my identity with next representative, and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what, they locked my account again, despite my effort to verify my identity a week ago.

On next day before I departed from US, I told a Discover representative, Ariana, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later. I had to explain to Ariana again about my disability and I couldn’t pick up phone call. She just said she couldn’t continue the call and hanged up disrespectfully. At the time I was completely done with Discover.

So the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away. When they don’t like answers from cardholder or feel their ego is invaded, they treat the cardholder like a thief in rude manner. This is especially true when they hear explanation that the cardholder can’t receive call from Discover. And does Discover realize that if the cardholder is ACTUALLY moving to another address, by refusing to change address, they are putting the cardholder at the risk of exposing information to next renter at the previous address? They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot, lot of work to do at that time, and when I was very sick and coughing painfully. How their fraud department handles fraud is absolutely ridiculous and laughable.

My VISA and AmEx card companies politely changed my address without any problem, hence I concluded Discover service is trash and I will not do further business with them. No wonder VISA, MasterCard and AmEx are still the mainstream while Discover is still a nobody-Care Credit card company, along with their uncivil and backward representatives.

DON’T USE DISCOVER.
     
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okcray on 2011-01-28:
Good for you throwing your Discover Card in the trash (hopefully you shredded it first!). I can definitely empathize with your situation, as I had an unbelievably frustrating experience with Discover Card several years ago when I was paying off a debt consolidation and they treated me worse than a deadbeat. About two years into my program I had to go on an extended business trip, and since I didn't want to be behind with my payments by the time I returned, I decided to be proactive and mail in my payment about a week and a half earlier than usual (BIG mistake!!!). What ended up happening was TWO payments for the month of April posted on my Discover statement and NO payments for the month of May posted (long story short, if the "second April payment" posted THREE DAYS LATER, there would have been no problem). Anyway Discover sends me a really nasty letter asking me to cough up an additional $100 within 10 days to keep my account current or they were going to take their account out of my consolidation program. I called Discover and explained my situation and they could not help whatsoever (plus their customer service skills are the absolute bottom of the barrel). I asked to speak to a supervisor who again was no help and told me that the person I needed to speak to was "gone for the day, and won't be back until tomorrow morning". I asked this guy for this person's number and after he gave it to me, he said "oops, sorry but I just gave you the FAX number" (and this guy's a SUPERVISOR???!!!). Anyway I call the woman I'm supposed to talk to the next morning and all she did was give me a whole bunch of legal double-talk as to why they could acknowledge that I indeed made TWO payments that posted in April but would not work with me to negate the allegedly missed May payment (basically they had my money but I was still "delinquent", never mind the fact that I had already paid down over $2000 of my debt to them by that point in time). After her being no help whatsoever I finally got the Better Business Bureau on them and lo and behold, I was no longer "delinquent" in my payments and no longer had to pay that extra $100 they were trying to squeeze from me. I ended up cutting up my Discover Card and will NEVER do business with them again; matter of fact I strongly discourage anyone from using their card. When all was said and done, my consolidation was paid off four years ago and I no longer have a mountain of debt hanging over my head.
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Awful Service! Don't Do Business With Them!
Posted by on
Rating: 1/51
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 threw 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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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.
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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Discover Card Predatory Lending, Unconscionable Practices, Continuous Interest Rate Increases and Exploitation
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NATIONWIDE -- Discover Card engages in unconscionable behavior and exploits their cardholders through predatory lending practices. My interest rate on my Discover Platinum card was 12.74% as of the April 19, 2005 statement and is now 27.99% as of my March 19, 2006 statement. My account has seen a monthly "just noticeable difference" interest rate increase of .25% to .75% per month from April 2005 to December 2005. My interest rate jumped almost 10% from 16.49% to 25.99% in the month of December 2005 and is currently at 27.49% as of the March 19, 2006 billing. Since December 2005, Discover keeps increasing my interest rate each month in small steps of .25%-.50%.

I encountered a problem with Chase Bank not utilizing my overdraft line of credit and thus my bank account over drafted and the balance went negative as non-sufficient fees compounded on the account. It took me almost 4 weeks to resolve this matter with Chase. Chase eventually took responsibility for their error and reversed almost $1,000 in NSF fees on the account. Because of Chase's error, my November 2005 Discover Card payment was returned to Discover Card towards the beginning of December as NSF and Discover Card increased my interest rate from 16.74% to 25.99%.

Chase Bank provided a letter to me and the letter stated and acknowledged their error. I forwarded the letter to Discover Card and they will not reduce my interest rate because their justification is "I have been over my credit limit within the last 12 months". I would not had been over my credit limit had Chase initially paid the November 2005 payment as they should have done. Discover Card also compounded the damage and caused my account to go over the limit by assessing me late fees, over limit fees and return item fees along with continually increasing my interest rate.

They also continued to approve charges while the account was over the assigned credit limit and now they are trying to exploit me with unconscionable interest rate increases and do not want to work with me and restore the account to the point it would have been had Chase paid my November 2005 payment and not returned it. I have tried to speak with Discover Card and they do not wish to help me and continue to revert to the cardholder agreement "which clearly states they cab change the terms at any time". I have proven beyond reasonable doubt to Discover Card that Chase made a mistake and that Chase has taken full responsibility for the error. Discover will not budge in my favor and they continue to exploit me with exorbitant interest rates and interest rate increases, higher payments and over the limit fees.

Discover Card keeps reverting to the cardholder agreement as their justification for my interest rate hikes yet Discover Card and Chase bank have gotten me where I am today with this account. Chase accepted responsibility for their mistake. Discover Card will not make amends to my account because Discover would rather profit from my misfortune with Chase Bank and Discover also told me the ultimate responsibility falls on me to ensure payments are made on time. Discover will not accept Chase's letter but instead want to use this as an opportunity to profit in the short term and loose a customer in the long term.

The cardholder agreement is a cohesion contract and I am the weaker party because I do not have any bargaining power. Discover is using this to their advantage to engage in predatory and unconscionable lending practices and exploit their cardholders and rake up millions of dollars in additional income. The cardholder agreement , because of the binder arbitration agreement which gives Dsicover Card free rein to exploit their cardholders and nor be held accountable because the cardholder has no recourse and cannot revert to the court system to hold Discover Card accountable for their abuses, is a non-negotiable cohesion contract where the cardholder has no power or recourse and Discover Card has the power to amend it at anytime in their favor and as often as they want too.

The cardholder is exploited and has to either accept the amendment or close the account if they do not wish to accept the new term(s). Discover Card skims more money from the cardholders , in small amounts from the mass population, as a result of changing the cardholder agreement and sneaking in small monthly interest rate increases in hopes the cardholder does not notice them. I advise everyone to watch their interest rate monthly on their account and don't become victim to their practices.

It is ironic how David Nelms, Chief Executive Officer, came to Discover Card in 2005 and all these predatory lending practices seem to be increasing and occurring since his assignment to Chief Executive Officer. David's prior employment was with MBNA. MBNA had several class action lawsuits brought against them for predatory lending and fraud during David's tenure and now Discover Card is engaging in these practices. Coincidence here? It sure seems to me that the top leadership has brought his MBNA business tactics to Discover Card and implemented them to exploit their cardholders and generate millions in income.

There was a case in California, as follows, that illustrates Discover Card's attempted use of the Arbitration Agreement, and the court upheld the agreement as unconscionable.

If you are a Discover Card account holder and have experienced more than one interest rate increase within the last year even though your credit has not changed and Discover Card has used predatory tactics with you and you would like to be a member and/or participate in a class action lawsuit, contact me via email.

A class action lawsuit is also being considered to challenge the credit card industry's "BMA- Binding Mandatory Arbitration" clauses.Discover Card implemented the BMA back in 2001 and several other big credit card companies followed suit. The Arbitration clause disallows class action lawsuits and court action by cardholders and further encourages Discover Card to use their power to commit fraud and engage in predatory lending and not be held accountable by the courts for their actions.

My recommendations are :
1) Get rid of your Discover Card account and do not do business with any credit card company which uses "BMA". The companies that utilize arbitration are the ones who setout to exploit the consumer and don't want to be held accountable by the courts for their unconscionable and predatory actions. The following credit card companies have and use binding mandatory arbitration - Bank of America, Discover Card, JPMorgan Chase, Washington Mutual, Chevy Chase, MBNA, Wells Fargo, Household Financial, Beneficial, Orchard Bank and Providian so steer away from them because they will exploit you and take your money. Only do business with credit card companies who do not dictate terms and make you use arbitration or have binding mandatory arbitration. Credit Unions are your best defense against the credit card industry and arbitration clauses as most credit unions don't use arbitration because they are not out to steal people's money.

The best thing we all can do to the "credit card loan sharks" is take our credit business to a credit union and get one of their Visa's. I checked out the credit unions in my area and the rates are 8%-15%, no Late fees until 10 days after the payment due date, 9.9% fixed APR on balance transfers until they are paid off and no over limit fees. Most of the credit union websites I checked out had fixed rate credit cards so you know what your rate will be and don't have to worry about them pulling the "interest rate increase tricks" and escalating your interest rate because you are now "a greater risk" or just changing the rate at their leisure to generate more income.

IF you do fall prey to Discover Card or any other credit card company and they change your terms and/or exploit you, notify the following and file a complaint or share your story:

1) ABC Television Network
2) NBC Television Network
3) Federal Deposit Insurance Corporation - FDIC (Regulatory and enforcement arm of the banking industry)
4) Office of Comptroller of the Currency
5) CBS Television Network
6) Fox News
7) Your State's Attorney General Office
8) Your state senator(s)
9) MSNBC Television
10)Cable News Network - CNN
11)Wall Street Journal
12)Securities and Exchange Commission


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Discover Card Bar on Class Action Arbitrations Upheld

By ROBERT GREENE, Associate Editor

A Discover Card user agreement that expressly bars class action arbitrations was upheld yesterday by this district's Court of Appeal, setting up a conflict with a ruling last year from the Fourth District.

In Christopher Boehr's case against Discover, this district's Div. One ruled that the Federal Arbitration Act preempts provisions of the California Unfair Practices Act and other California law that makes the class action waiver substantively unconscionable.

Sec. 2 of the FAA, a 1925 statute passed to reverse what this district has called ?longstanding judicial hostility to arbitration agreements,? mandates enforcement of arbitration agreements.

?While a state may prohibit the contractual waiver of statutory consumer remedies, including the right to seek relief in a class action, such protections fall by the wayside when the waiver is contained in a validly formed arbitration agreement governed by the FAA,? Justice Reuben A. Ortega wrote.

The clause that moved Boehr to sue Discover and seek class action status was added by notice to cardholders in July 1999. It eliminates access to court in the event of a claim by either Discover or the cardholder when either chooses arbitration.
It also bars either side from joining or consolidating actions in arbitration by or against other cardholders with respect to other accounts, or arbitrating any claim as a representative of a class or in a private attorney general capacity.

Boehr charged that Discover breached the cardholder agreement by imposing a late fee of $29 on payments that were received on the due date but after an undisclosed 1 p.m. ?cut-off time.?
The Fourth District Court of Appeal's Div. Three ruled last April that the same class action waiver clause takes a back seat to California's public policy.

?The clause is not only harsh and unfair to Discover customers who might be owed a relatively small sum of money, but it also serves as a disincentive for Discover to avoid the type of conduct that might lead to class action litigation in the first place,? Justice Eileen C. Moore wrote in Szetela v. Discover Bank.

Moore wrote that the provision violates fundamental notions of fairness and violates public policy ?by granting Discover a ?get out of jail free' card while compromising important consumer rights.?

It also violates public policy, Moore wrote, by working against judicial economy.

?To allow litigants to contract away the court's ability to use a procedural mechanism that benefits the court system as a whole is no more appropriate than contracting away the right to bring motions in limine, seek directed verdicts, or use other procedural devices that allow the court to operate in an efficient manner,? Moore said.

But Moore's opinion in Szetela did not deal with the federal preemption question. Ortega said that meant it was wrongly decided.

A threshold issue was whether to rely on Delaware or California law. Los Angeles Superior Court Judge Carolyn Kuhl said Szetela showed there was a difference between them because of California's unconscionability policy, and struck the class action waiver clause from the agreement since pursuing Delware law would violate a fundamental public policy here.

But Ortega said Boehr failed to adequately brief his stance that no arbitration agreement was formed. The issue being conceded, Ortega said, the court is left to look at a valid arbitration agreement which necessarily is governed by the FAA.
The case is Discover Bank v. Superior Court, B161305.
     
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kellbell on 2008-01-19:
They harassed me due to one late payment, I had made double the payment and they are harassing me again. They called 4 times on Christmas even though I made double the payment until Jan 20. Today is the 19th, they called me a few days ago and I have 15 phone calls from them. I'm incredibly fed up. They have increased my interest due to the one late payment (it was 5 days late...but isn't that what fees are for?) I'm so upset and wonder if they will ruin my credit? I am going to do a balance transfer. They are criminal!
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Discover Card Does Not Honor Commitments They've Made
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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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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
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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 losing 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.

DISCOVER CARD IS A RIP OFF, THE CUSTOMER SERVICE SUCKS, AND THE CEO IS SCREWING EVERYONE THAT IS A CUSTOMER.

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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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.
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
prettyinpink1234 on 2009-05-06:
Your wife doesn't 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 doesn't 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)
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!
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!
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 lie around. Unreal in this economy! It is criminal!
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Discover Card: Fraud, Bait and Switch, RICO?
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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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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.
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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Liars, Thieves, scam, rip-off, none compliant,unwilling to a settlement
Posted by on
Rating: 1/51
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 supposed 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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Discover Card Does Not Care About Long-Term Card Members
Posted by on
Rating: 1/51
WILMINGTON, DELAWARE -- I have been a Discover Card member since 2000. Recently, I was promised 5% cash back on 'every purchase' for 3 months when I received and activated my new card. I checked my rewards balance after 2 months to find I was receive less than 1% cash back. I called to correct the error only to be told I had to spend $500 in order to receive the 5% and could only receive up to $75 in rewards. Well, I was pretty peeved and said, "I'll just close my account" and hung up. I wrote the CEO complaining about their treatment and false promises. I received a call the following day from the 'executive office' and ended up hanging up on them too. I logged into my account just the other day and the rewards money I had was gone. I emailed customer service only to be told my account had been closed as per my request. Funny because it was closed the day before I received the call from the executive office...why would they call if I was no longer a member??

Discover card closed my account without verifying I actually wanted it closed. They closed it without verifying any security information or reviewing any account closure agreements/consequences with me. They were unapologetic and simply said, "you closed your account so you forfeited your rewards." After being a member for 13 years with no late payments and never going over my limit that’s what I got.

Discover card doesn’t give a damn about their customers and their cash back program is a joke. I’ll stick with my Bank of America Visa card and my Chase MasterCard…at least they honor their promises.
     
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Weedwhacked on 2013-06-18:
You told them you wanted the account closed.
"Well, I was pretty peeved and said, "I'll just close my account" and hung up."

I'm sure the $500 requirement and the forfeiture of your rewards are clearly stated in the terms and conditions that you agreed to by having a Discover Card.
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I'm Sick of Credit Card Interest Rates
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Rating: 1/51
AMELIA, VIRGINIA -- I've had a Discover credit card for years, since 2002. I have not managed to pay it off yet. I tried making payments over the minimum. That certainly didn't work. If I send a $100.00 to them, only $9.00 dollars goes to the principle. I'm so sick of it. I'm think of of going to the bank and borrowing enough to pay them off and just canceling the card all together. Even American General Finance company is starting to look good. I might go to them. I'm sick of paying 29.99% interest and I haven't used the card since last year.
     
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jktshff1 on 2012-07-03:
Hard lesson learned.
Good review
trmn8r on 2012-07-03:
I'm not surprised you are sick of paying high rates. Credit card interest rates are insane, and have been my entire life (I'm an old fart). Therefore I resolved prior to obtaining my first card I would never carry a balance. I have done what I set out to do.

Using a credit card as a long term loan is not a good financial move - in fact it is very unwise unless one is desperate. 10% is too high a rate, anything higher is absurd.

You wrote this "informative" to Discover, but it just as well could be written to any credit card bank. Credit card interest = wasted money.
ok4now on 2012-07-04:
I'm surprised that D.B. has not commented on this post, it's her expertise. Anyway carrying a high C.C. balance is the path to financial ruin. You state that you make a $100 payment but only $9.00 goes towards the principle? So you're paying $91.00 a month in interest? Hello... this is insanity. Now you're considering using American General's card at 30% interest? You're just digging a deeper hole that you will never get out of. STOP now before its too late. Obviously you're in way over your head. I would suggest a consumer debt counseling service that can negotiate these rates and put you on an affordable payment plan.
DebtorBasher on 2012-07-04:
I found myself in the same position with my Sears Credit card, my balance wasn't going down, it was going up even after my payments.

The only way I got control of it was by transferring the balance to a new credit care that offered 0% for the first year or whatever then after the first year, it was much lower than Sears ... so, it went from something like 24% to maybe 11.5%. But if you DO transfer your balance, be sure to read and understand all the fine print and know how much the rates will be after the introductory period.
ok4now on 2012-07-04:
Excellent advise D.B. The only problem is that the zero percent rates for a year are really hard to find. It's based on your credit worthiness and debt ratio. People who really need this relief will not get these offers. The C.C. companies are like sharks smelling blood, they go in for the kill. This is unfortunate. There are many good people who have fallen on hard times that are not able to pay. Then they fall victim to these predatory lending rates. This is shameful. To add insult to injury just see what happens when Obama Care kicks in. Can't afford to buy medical? It's now a TAX and the IRS will come looking for your azz. Pay up sucker or we will fine you. Want to avoid this? Vote Romney in November.
Cwazychicken on 2012-07-04:
I'm not the best with money on a card that allows me to take what I want and pay back later at a insane rate. I have never had a credit card, and never will. lol.
DebtorBasher on 2012-07-04:
I wasn't thinking the offers were based on credit worthiness, but you're right. Hopefully the OP will find an option that will help.
madconsumer on 2012-07-04:
sounds like there is a high balance on the card. best way to avoid credit card interest rates, is to not use them. credit cards have been the demise to many of people.
FoDaddy19 on 2012-07-04:
All credit cards work like this. I don't really think this a valid complaint as its not Discover Card's fault that the OP apparently chose run up a sizable balance then got hit with a high interest rate that was likely fully disclosed from the beginning anyway.

To me this is like buying a Ferrari, then racking up a bunch of speeding tickets, then complaining to Ferrari about it. Ferrari didn't make you get those speeding tickets, and Discover didn't make you make all those purchases on the card. This compliant is more of a case of poor personal financial decisions rather than getting taken advantage of by a credit card company.
mamaknowsbest on 2012-10-10:
A lot of americans are nieve to the fact the credit card companies are just that. A company. They have the ability to see your credit score, other trades in collections (and amounts you owe) and keep track. You don't have a 29.99 because your the perfect customer. your just a high risk consumer. Remember this is a loan. Unsecured at that meaning they can't just repo what you owe (house or car). Credit cards were designed to temporarily borrow funds and pay right back. Not to rack up a high bill and pay down slowly. Take a look at your credit and stop taking this so personally, it's not the company it is you!
savvyconsumer on 2013-02-18:
I disagree with mamaknowsbest when she says "it's not the company it is you". At least in this case, there is some of the company that is problematic.
I've had a Discover Card since the early 80's. For a long time they were very good. Even giving me thousands in credit limit increases I neither asked for nor wanted but insisted I keep. Not being a credit user unless absolutely necessary, I have never used even a fraction of it. Further more, I have never gotten behind or missed a payment in any way. That has since changed and they have gone the way of other slimey credit card companies. In 2009 they changed payment due dates on hundreds of accounts, mine included. No notification, no nothing. Just changed. I caught the change. Unfortunately, I caught it a day late. My interest rate tripled. Mad as hell, I called. Since I was such a "good customer" they could lower it a few points. Instead of 30%, they would make it 28%. Inquiring about how long the increase would be in effect or how to get it lowered. I was told it was indefinite unless I applied for a new account. Even then it would never be as low as it was. In fact, anyone that had a rate that low could expect to see a significant rate increase in the future. They have since doubled, if not tripled, card rates for anyone that had a comparable rate. All given different reasons, different justifications. Anything but the truth. Just recently I made a payment on time...on my due date...and was notified I set off a penalty rate for all future purchases. Don't know what that is since I don't use the card but, good lord, how much over 28% can it go??? In short, Discover was once a reputable company. Today they are no better than sleazy loan companies like pay-day loans, etc.
Rockstar13 on 2013-04-17:
Before you decide on any specific card, keep in mind that as long as you never keep a balance it really won't matter. However, if you do intend to keep a balance make sure you're fully aware of how much you're spending by using a credit card calculator.

I found this site that works well: http://CalculateCreditCard.com/monthly-interest-calculator-with-daily-annual-calculations/
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HORRIBLE CUSTOMER SERVICE!
Posted by on
Discover Card called my home asking to speak with a person who no longer lives with me and hasn't lived with me for over one year. I do not own a Discover Card, never have owned one and had nothing to do with the call. I was just unlucky enough to answer my own home phone. Then they kept asking for a phone number. The tone of the operator's voice was truly aggressive and truthfully scary. I told them I didn't know how to help them and that I was rushed to get my two very young children to Kindergarten. The operator was sarcastic and scary. That's all I know. I have no idea what the phone call was about and it also had nothing to do with me. I again have no Discover Card, never have, and at this point never will. If their customer service is so rude as to not ever say they are sorry for disturbing me when I've explained how rushed I am with my children, sorry that they are continuing to ask me for information I don't have to give them, then I would be crazy to ever have a Discover Card of my own. They even asked me to give the other person a message which was totally inappropriate. When all you do is answer your own home phone and people like that are on the other end it makes me not want to have a phone at all. This was none of my business and the minute they heard I wasn't the card owner they should have said they were sorry and hung up. Discover Card according to my own experience with them has terrible, scary and aggressive customer service even to innocent people who don't own their card. The supervisor was just as bad, so all I know is I'm leaving Discover Card alone!
     
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getoverit on 2010-09-27:
My guess is that it wasn't Customer Service who called you but somebody from Collections, or a skip-tracer.

I closed out my Discover Card several years ago because they kept calling me about doing balance transfers and offering "come on" rates for loans and stuff. One time, they called twice in the same weekend, even though I had plainly told them I had no outstanding balances to transfer and did not need cash right now. They promised not to call about that anymore, ever, again.

Sure enough, after a few months some idiot is calling me to try to get me to do a balance transfer.

Later, I was thinking about buying a used car. It seemed like getting a short-term loan so I could pay cash to the seller and then apply for regular financing might be a good way to handle it. I called Discover and asked if I might be able to do that. Now it's "No way, Jose".

It's like they pester you with their promotional programs and enticements to get me to do what they want - almost to the point of harassment. But when I, as a customer in good standing of like ten or fifteen years, have a specific need, they pretty much tell me to get lost.

So, I did.
no more on 2011-08-01:
you said it exactly they pester you promotional programs then even if you a customer in good standing for a long time they tell you to get lost no more Discover Card the customers are key to any business listen up Discover Card.
thank you for sharing and allowing me to share
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