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Discover Card Consumer Reviews - Page 4

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Deceptive Balance Transfer Rate
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February, 2010: Discover Card advertises "transfer your high-rate balances to a lower rate" and offers a 6-month balance transfer rate of 9.99%. After this six month period, Discover informs you, the rate for the transferred balance jumps to the standard rate for purchases. Notwithstanding the somewhat high initial balance transfer rate, this seems pretty standard.

However, the current interest rate for purchases is only 12.99% (on Discover Card, anyway), and, if you're not careful you'll miss that Discover is also charging an immediate "transfer fee" of 5% of the total amount transferred. Note that there is NO UPPER LIMIT on this 5% fee. So, if you transfer $5,000, you immediately pay $250 in fees; if you transfer $10,000, you immediately pay $500 in fees. Effectively, you're paying 14.99% to start on this balance transfer "deal," which jumps up to 17.99% after the six-month "deal" period expires.

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Discover Card - Disgraceful!
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After 22 years with Discover Card, NEVER a late payment, they suddenly decided we were a "high risk" and dropped our credit line over eleven thousand dollars. And WHY did they do this? Because we actually began using the card more often due to a temporary zero interest rate offer.

Now, get this: Discover crushed our credit line because we actually did what they, and All Credit Card Companies, want their customers to do - WE USED THEIR CARD! But in addition to this cardinal sin, we opted to make minimum payments while the interest was at zero percent, thus freeing up a little money for other things rather than paying off a debt of interest free money. This is a common money management scheme. We thought we were doing the right thing.

So, now the account person we spoke to says we'll have to RE-APPLY for our previous credit amount to be reinstated. That's an insult. What have we done to deserve this disgraceful service? I mean, other than paying Discover Card in full and on time for over two decades. What more do they expect?

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So I Called Discover to Pay Off My Balance and Close Account
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I called Discover to close my account. I asked how much I owed to close everything with them. I paid the amount and what did I get in the mail 3 days later? A bill for the finance charge of the month. I called and they said, "Well they should have added that to your balance." No budging on this after they just raised my rate from 8 percent to 18 percent. I was a loyal customer for 8 years and they screwed me twice before I left them.

Also, I had accumulated 30.00 in bonus back money. Since it's not at $50 I could not use that to my balance. Screwed again! OK, so now I have to get a gift card. I will take the Lowe's hardware store gift card, NOT you must have $45 to get that card. Screwed again! I hate Discover and have to admit I dream about doing bad things to them. I would never go that far but I understand if others do. I plead with everyone to never do business with Discover. They will screw you royally.

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Outrageous
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I just talked to Discover Card in Delaware. We were 2 days late on our payment last month because they moved our due date from the 10th of the month to the 6th. Now understand, we do not have a large balance, about $500. We were notified that our interest rate has been raised to prime plus 27.99%. We immediately notified them that we would not accept this change and they could cancel the card. We paid off the balance except for a $12 disputed item.

Prime plus 27.99% should be against the law. Everyone I have talked to has agreed to cancel their Discover Card. Any company that would charge anyone that interest rate should be put out of business, that is corporate greed at its worst. I hope everyone takes a stand and cancels their Discover Card. Based on responses, you missed the point. I screwed up by not noticing the change in due dates, a given. Any company that would charge anyone prime plus 27.99% is out of control and should be avoided by everyone. To charge that interest rate should be criminal, besides the $39 late fee.

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Discover Card Is the Worst Card Ever. Please Don't Get One
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CAROL STREAM, ILLINOIS -- I have a Discover Card and I have only been late on my payment once this year and they called me at work which is stupid because they charge almost a $40.00 late fee and I really don't know how they acquired my work number. I told them to call my cell phone and take my work number out of their system. They said they have but I don't trust them. Then they tried to make me feel like crap by acting like I was struggling with my payments which isn't the case at all and tried to get me on automatic payments. My credit score is 760 and I am not a credit risk.

Now they raised my interest rate to almost 24% and won't lower it unless I make payments automatically for one year and then they will review interest rate. I've had all kinds of credit cards in the last 30 years and Discover is absolutely the worst. They call and hound you at work, home, anywhere and basically treat you like crap. They won't work with you - they just want to put the nails to you. It is all about them and they are selfish.

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Using Power to Hurt the Little Ones!
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I have been a customer since 1989 and now facing a civil suit with Discover. My account has been closed for 6 years but cannot pay off the amount. Every month interest raises till it's 29%, late charges and over the limit charges. Tried to reasonably pay off but would not agree to lowering the amount by even a penny.

When I no longer could make payments the $2500.00 bill jumped to $6300 in less than a year and to top it off added $969.00 for the last month before starting a lawsuit. How is it legal for anyone to charge someone such an ungodly amount for no service at all!!! They can throw any dollar amount on to our bill for no reason and the courts agree!!! No one but large corporations can do this!

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You Want Problems, Open a Bank Acct With Discover Bank
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I have never experienced the lies and B. S. in all my life in attempting to open a money market account. They received funds via a wire withdraw from my bank which they acknowledged on May 26th. As of June 9th they state that my account has a problem due to lack of signature card. Depending on whom you're talking with, they just lie to you and give you a bunch of B. S. Due to their lies and B. S. I demanded a return of my money.

Because that the deposit was over $25,000.00 they said it would take 2 to 4 business days as a manager would have to sign off. Oh and P.S. that they weren't going to charge me $20.00 for canceling the account due to the problems. Who needs this kind of B. S. and lies. I sure as hell don't. I'll never do business with them again. It's not that I'm asking for a loan. Customer service, ya if you want lies and you better call them between their working hours.

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Get Rid of Your Discover Card ASAP!!
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My wife took my Discover card and charged it up without my knowledge and she paid the bills so that I had no idea until it was "discovered" two years later. I challenged the initial charges (she was not on my account). They refused to do anything. I never used the card, never carried it and had no idea there was a balance. Come to find out that the actual amount charged was right at $2,000. The interest rate was 28.8% and my card quickly went up to $6,000! I challenged the account and they were very, very nasty and ended up filing suit against me.

I ended up paying off the account but they were so very mean and nasty. I will spend the rest of my life (I'm in my late 30's) warning people to avoid and don't use your Discover card. There are much nice companies to use. Use my favorite: Chase - they were much nicer when I found myself in a similar situation. Avoid, run from Discover card. Cancel your account now.

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Unethical Practices When Cancelling Card
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FREMONT, CALIFORNIA -- When I attempted to cancel my Discover Card, the support center handed me over to a special account services where they try to retain you as a customer. They offered me a 40$ gas rebate. I thought it was a great deal. Later I used the card, and found that I really did not get such a credit to stay on board. They told me that they don't provide such deals. In essence, they felt I was a liar. I wanted to give them one last chance, but clearly they wanted me to do a few more charges. I felt completely misled. Discover Card is using fraudulent tactics to keep people on board. A company which is not honest will be their downfall.

If you want to cancel your card, you should be allowed to do it. I have been cancelling cards with other companies with no problem. Discover is the only company with a special division whose focus is to deter consumers from cancelling their cards. Do not listen to those people. They lie and swindle their way with false promises to maintain customers. They do not realize that a good service and honesty are the keys to retaining customers. Trust me. It be a better world when this company disappears.

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Unethical Company
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GEORGIA -- Last month I was upset with Discover and wrote a review about the company. They had laughed at me when I asked to play the recording that would prove what they had told me during the conversation in which I had opened an account. I was told that that would NEVER happen. I owed them over $7000, which I had transferred from a same as cash deal. I could have paid the balance but did not because I was not being charged a finance charge; then suddenly one appeared. I told the rep who laughed at me that I would pay the bill in full, then cancel the account. I waited until three days before the due day and paid the bill in full.

I waited until a new bill came out to close the account in case there was a charge I had forgotten about. There was no regular charge on the bill, but there was a $74 finance charge, although I had paid the bill in full before the due date. I called the company and was told the person I talked to last month should have told me a "full" payoff amount and that I would have continued finance charges. He didn't tell me either. I am now going to pay the new charge and I am going to dump this company. And, you know, I bet I never do see that cashback money. Never have.

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1.5 out of 5, based on 16 ratings and
100 reviews & complaints.
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Discover Card
Attn: Complaints
P.O. Box 30943
Salt Lake City, UT 84130-0943
212-761-4000 (ph)
212-761-0086 (fax)
www.discovercard.com
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