Discover Card Informative - Complaints - Whiners
OK, I have to respond.
I have worked for Discover and some of the "reviews" are just so unfair and basically nothing but whining. I can tell you first hand that Discover trains its employees to take care of the customer. EXTENSIVELY TRAINS. People have such unreal expectations these days its amazing to me.
A few replies to other reviews:
"Discover is the only company with a special division whose focus is to deter consumers from canceling their cards."
......Is this a joke? Every credit card company has one. However if your business is not profitable to the company your acct can be statused to be closed front-line without being transferred. Maybe these other companies you speak of didn't care enough about your business to try and take care of fixing the problem and keeping you.
"I asked a for a copy of the recording and he thought that was real funny and said I would never get a copy of that. I said then how do I know that you (Discover) even said that?"
........ The recordings are not for you. And FYI, each rep takes about 120 calls per day. And there are literally thousands of reps. Do you have any idea how hard it would be locate one specific conversation?? Not every call is recorded and definitely not done to prove a point to you. These recordings are for training and legal purposes.
"On October 7, 2007 I accepted an offer for a $25.00 dollar gift card to RED LOBSTER restaurants for $20.00 out of my cash back bonus on my discover card. Sounds like a good deal, right? Well it is now April 28, 2008 and I have not yet received said gift card and they will not put my $20.00 back into my bonus plan. Can you say RIPOFF!"
.............Who waits 7 months to call and complain about not getting a gift card??!! And PS, you can get your money back, call again and ask.
"My credit Score is Excellent. This is my very first time with a denied credit card application.
((hard on the ego??))
I posted two months ago an application to Discover Credit cards; Today I received another letter to advise that my application could not be approved. Apparently my ethnicity/origin is important to them since I am Hispanic."
........ GIVE ME A BREAK! I got a call from someone going nuts because she had an "excellent" score too! 600! Thats not even a average-risk level. I have no idea what your score is but there are PLENTY other considerations for determining if you get a card. First off, DC is not Visa- who will give a 10k limit to anyone with a pulse- and yes, its a little harder to get. But to say that its because of your ethnicity is completely ridiculous. Its a BUSINESS, to make money... They don't care if you are a green-skinned-Martian. If you look profitable on paper, you'll get a card. Get a credit report.
"Years ago my sister had a Discover credit card. When I turned 18 she put me on the account to help build up my credit. (And just as a side note, I never used the card.) She suffered a physical & mental break down a few years later and had to stop working. She filed for bankruptcy and the Discover card was included. " (this goes on about it hurt her credit and how horrible DC is for doing that to her)
....... Although I sympathize with this one, I still would like to make a point. If you are an Authorized Buyer on an Acct you can be removed with a click of the button and even request to have the credit tradeline removed. If you signed a Joint Cardmember agreement to help your credit then you signed a contract taking responsibility for the card. End of story. You made a choice and DC, or any other card for that matter, cant go in and say, never mind you aren't responsible. A) thats not fair to the company you were trying to get good credit out of, and B) It's Illegal to change how you are reported to the credit bureau just cause you don't like it. Its not like DC makes money off reporting you.
Take a little responsibility for your financial decisions. You can choose to pay off your card every month and never pay a dime in finance charges AND still earn money from the company for Cashback Bonus...OR... you can build up your debt, become delinquent on your acct and have your rates raised (because, hello, its a LOAN and you are becoming a huge risk to the company) and then cry about how unfair and "predatory" the company is. It is spelled out in the agreement that you fulfill your end, and we fulfill ours. People want to be late or skip a payment and have no repercussions. Truth be told, although I am admittedly biased, DC is an awesome company that sincerely tries to please its customers. If you call in yelling and screaming and demanding, you're right, you probably won't get helped as much. But 9 times out of 10, we will bend over backward to help..be it reinstating rates, adjusting fees, and giving you back money for using the card. Discover is awesome.