Credit Score: 4000 Credit Limit: 647 Age: 25-34

Posted 01/15 2018

I have this bad experience with the card which has kind of soured my relationship with Discover. I made some purchase online with a retailer. I used my Amex card initially but I was close to my limit so I used Discover for another bulk of purchases. On this particular order (in fact 2 orders), the merchant failed to deliver. I made phone calls to both Discover and Amex and told them about the situation. I even printed the email confirmation of orders and sent it to them.

Well, guess what? I got two difference outcomes from Discover and Amex sided with me and the bill from that merchant was removed from the bill. Discover ruled in favor of the merchant. I am not going to use Discover going forward.

 

Credit Score: 724 Credit Limit: 10000 Age: 35-44

Posted 09/14 2017

For 8 months, I had a great experience with this card. Virtually every store I go to accepts discover. Then one day I found a fraudulent charge on my account. And Discover reps that I spoke to ( a few of them) did not seem to bother or really go out of their way to help. I have an Amex card and I can say with experience that whenever I have any fraudulent charges on Amex, their philosophy is that the "customer is always right" and a dispute is filed immediately, the bill from that merchant is suspended and almost all the time, the problem is resolved and you do not hear from Amex anymore. I will stop using the Discover and stick to my Amex.

 

Credit Score: 780 Credit Limit: 8000 Age: 35-44

Posted 05/02 2016

I got this card because of their 0% for 14 month deal. I got approved but when my card arrived, I found out that the interest rate after the promo period ended was going to be like 21.49%. I called customer service to see if they could lower it to 12.49% (which is the lowest APR). Customer rep said with a straight face that they could not, but offered me 19.49% instead. I told them that they are giving me every incentive to transfer my balance to another card once the promo period ended. She just simply said she understood where I was coming from and will bring my concerns to management!

Many folks here get this card for the rewards. But if you need a card with low rate, this is not the card you get.