Latest reviews about Discover - Credit Card

TimothyL says "Discover credit card company has poor customer service." about Discover - Credit Card

TimothyL — Fri, 23 Oct 2009 04:34:28 GMT

The Discover credit card was possibly the first credit card to offer cash back on purchases. But don't be deceived by promise of 1%, 2%, or even 5% back. Generally, your total charge must reach a certain amount before you begin to earn 1%; that is, for amounts lower than their scale, you only receive 0.25% and then 0.50%. Each version of the Discover card has their own rates and percentages scale, and usually with the 5% back, it only covers certain categories of items.

While this can be confusing, what upset me the most about Discover was their customer service regarding fraud or unsatisfactory purchases. When I bought something online (one payment with Discover and one payment with MasterCard) and had problems with the company, Discover would not help me. They wanted me to deal with the company itself (which I did unsuccessfully, and which is why I called Discover to intercede). MasterCard, however, refunded me, absorbing the loss, and proved to me they were pro-consumer not...

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karlarhea says "Not a bad credit card, but there are several better ones." about Discover - Credit Card

karlarhea — Wed, 19 Aug 2009 19:44:50 GMT

I was a very early adopter of the Discover Card, and was more and more pleased as it became more widely accepted. It is still an above-average card and company, as the card has no annual fee and quite good customer service. But the cash-back bonus has dwindled dramatically over the years. It used to have several tiers of bonus percentages based on your annual spending, and those have been reduced. (My two favorite cards pay the highest percentage from the first dollar of charges.) And Discover stopped paying ANY bonuses at Wal-Mart or Sam's. That made several other cards much more lucrative. One selling point of Discover is that they double your bonus amount if you redeem it for particular gift cards. While this makes the cash back amount more profitable for the customer, it locks you into a particular company to purchase from. And you have to keep up with a gift card, remember to use it, and not let it expire or incur dormancy fees. This is an okay card for those of us...

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ReviewIdiot says "Nice card, limited use" about Discover - Credit Card

ReviewIdiot — Wed, 22 Jul 2009 23:00:37 GMT

The Discover Card comes in several varieties. Consider the Open Road card. This pays 5% back in gas up to a maximum of $100 of gas purchases a month (I think it's $100 but double check). This is the highest that I've seen.

Other Discover Cards pay for some other categories and they rotate. That's very confusing and time consuming to monitor.

One drawback of the cashback scheme is that you have to reach $20 before you can redeem. Another drawback is the cashback amount is not that great. Another drawback is that not every merchant accepts the card. Another drawback is that it is primarily for domestic US use as most stores in other countries never even heard of the card.

So it's difficult to live only with the card but it's a good supplemental card.

Theft wise, they monitor gas purchases so if you try to buy gas 3 in the same day, they make sure that you are not a crook.

Overall, I recommend this with a few minor reservations.

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dinachristine says "My first credit card!" about Discover - Credit Card

dinachristine — Thu, 16 Apr 2009 15:52:58 GMT

I was 18 years old and how do you establish credit when you have none?? I couldn't get a loan and wasn't approved for any credit cards? How was I suppose to establish my credit. I applied for the Discover card and now 18 years later still have it. I was so apprecitive they gave me a card. I now have outstanding credit and it was because they gave me a chance to get some credit! I used to love their rewards program...because I am a saver type. I love the fact there is no annual fee and if I pay it off every month I never get charged interest. So the card for me to have is free. And then to top it off I get rewards! So a card that is free and then get rewards. I loved it but other cards started coming out with better rewards programs where I would get more back so sytopped using my card as much. I wish they would try to keep up with other rewards programs but I will always be thankful they were the only company years and years ago that would give me a card when I had no established credit...

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kevinofnine says "Good if you don't run a balance" about Discover - Credit Card

kevinofnine — Sun, 22 Feb 2009 22:30:26 GMT

four stars: I use my discover card in place of a debit card and pay off the balance each month, usually receive about $20 bucks every two months with zero interest. Only thing is it is not honored everywhere, so you might bring a back up visa to avoid an embarrassing moment. I don't like the APR on my card, probably a big reason I never run a balance, my credit rating is above excellent , 822, so I think I should get a better overall rate.

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RSistrunk says "Great card to have." about Discover - Credit Card

RSistrunk — Mon, 16 Feb 2009 19:35:37 GMT

They truly put the customer first. I love their security. I never mind them calling questioning a transaction. I would rather be safe than sorry....

tap123 says "I like Discover, more face friendly customer service response" about Discover - Credit Card

tap123 — Sat, 24 Jan 2009 22:11:42 GMT

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violetblue says "Craptacular" about Discover - Credit Card

violetblue — Thu, 22 Jan 2009 08:00:21 GMT

As an incrediably poor new mother with a fair (ok huge) amount of credit card debt, Discover card was one of the first cards I stopped paying on- BUT called and tried to work out payment plans, they refused, total crap. Every single other card I had was willing to work stuff out with me- and guess what- they got their money. I should also mention that before I got preggo with DD and had to stop working I had been with discover card for seven years and NEVER had a late payment, and always paid above the minium- it's not like I was some life-long deadbeat.

Oh and their "cash back" thing is worthless. In my seven years with discover card I got like $20 back which was less than one month of interest

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Bhombol says "Watch for the season, and it can be the best for reward" about Discover - Credit Card

Bhombol — Tue, 20 Jan 2009 01:02:27 GMT

Discover credit card is acceptable everywhere and easy to use. They offer quarterly categories where you can earn 5% cash back reward. They also have low APR for balance transfer. Payment cycle is flexible and can be customized. It appears in different images. You can pay them online directly linked to your savings or checking account. This is the best card I ever used. ...

bonbon2121 says "Discover's Cash Back program makes it the best card to have." about Discover - Credit Card

bonbon2121 — Fri, 09 Jan 2009 04:51:06 GMT

I have been a Discover Card user for about 4 years now. There Cash Program keeps gettign better and better. I get 1% back on ALL purchases plus if I do my online shopping from their like ShopDiscover then i can get 5% or even 10% back on some purchases. Also when i make my monthly payments on time (6 in a row) I get a months worth of interest back too. It really makes the card worth while....

duckman2121 says "rewards build fast" about Discover - Credit Card

duckman2121 — Tue, 06 Jan 2009 09:24:06 GMT

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mlbmarlins2010 says "easy to use anywhere" about Discover - Credit Card

mlbmarlins2010 — Mon, 05 Jan 2009 05:36:22 GMT

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peggymientke says "Discover is a great card, great APRS!!!!" about Discover - Credit Card

peggymientke — Wed, 31 Dec 2008 23:20:24 GMT

The Discover is one of the best cards we have found to date. The fees are low and the offer so many services with their card. We get a monthly bill online and I can pay it online as well. We have had ours for almost a year and I wouldn't trade it for a capitol one or any of the other ones out there. We also have no yearly fees. This card has come in handy many, many times. IF you are looking for a great card, Discover is it....

pad says "interest high" about Discover - Credit Card

pad — Sun, 21 Dec 2008 17:51:41 GMT

i have been with Discover card for nine years and sometimes they have a low interest plan that lasts only for so many months. When you are trying to save money for other bills, you would like to to have a low interest to make your payments and not something where it takes all of your money. some women are single and they cannot make these high interst payments if they are steadty going up on them. think of this the next time you think about charging high interest on these bills....

lnathan says "Pay you for spending money?" about Discover - Credit Card

lnathan — Fri, 19 Dec 2008 23:50:34 GMT

Discover is like any other credit card. Their interest rates are too high and they continue to increase them while the rules are an ever moving target. The payments go to low interest purchases first, they charge interest back to the original date of the purchase rather than the month in which you may not have paid your full balance. Additionally, Discover is not accepted everywhere because they charge higher fees to the vendors that choose to accept the cards. I personally have cancelled all of my credit cards. I prefer to go the cash route.

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