Sign up to receive our free weekly newsletter. Some credit card companies send email or text notices to let you know when your balance is approaching your limit, so keep an eye out if you’re concerned. Never missed payment or paid minimum required but always paid in full. The Discover it® Cash Back offers plenty of breathing room for paying off balances after opening the account. Unsubscribe easily. What happened? The card is FREE … You need to have credit to get credit. I refused to pay those disputed charges so they added penalties and interest on my monthly bill and split the amount on my sons credit report. Then 40 days after purchase they file a nonpayment on my credit report. Hope you choose someone else!! No Credit History. Thank you, you have successfully subscribed to our newsletter! more in the Discover Help Center. Just do the math and you will see why it’s a problem if your credit … My card was closed and I was issued a new one which I received Tuesday. Even after contacting their executive offices nothing has been done to improve the situation! This may also happen if you make several “luxury goods” purchases that don’t fit your typical spending pattern. Close. If you already have a user ID, your existing user ID will be displayed. I claimed bk last year because they sold or "assigned" my account and the buyer sued me for over 6 grand. Contactless Credit Cards and Payments: The Good, the Bad, and the Ugly Updated May 7, 2020 We’ve updated our advice with new information about … Find troubleshooting steps for credit and debit card issues on PlayStation Store. at Citi's Secure Site. One caveat: except for the wonderful 5% categories, the cash back reward is comparatively very low on all other purchases, so I only recommend using this card for those quarterly categories. The website makes it easy to apply for an account and set up payments. Your Credit Card Doesn’t Work in Foreign Countries. The Discover Card Sucks. Using your credit card to pay for purchases in-store and online establishes your spending patterns. When I called and canceled the first time the amount was about $150.00 and when I did it the second time the amount was about $1,200, and NOW IT IS OVER $2,000. I get the same thing every time. If your balance creeps up toward your credit card limit and you try to buy something that will cause your balance to exceed your limit, your credit card may get declined. They never allow me to explain the problem. Cons: Some merchants don't accept Discover. Getting into credit card debt. Citi® Secured Mastercard® Add to compare. Be the first one to find this review helpful. Re: how harrd is it to get a Discover card I wouldn't apply again for a CL of %100,000. Traveling Without Notifying Your Credit Card Company, 8. If you make a purchase with your card that doesn’t fit this pattern, it may result in your credit card being declined until you verify that it is you, the cardholder, making the purchase. Beverly Harzog is a nationally-recognized credit card expert, consumer advocate and author. Financial Education Center: So, until this is resolved I will continue to give them a review every day. If JavaScript is disabled, that other banks would never think of putting their customers through! Discover Bank was first mentioned on PissedConsumer on Feb 26, 2007 and since then this brand received 254 reviews.. 2) I … Convenience: Sometimes credit card companies initiate a card limit decrease and then provide you with notice of the new credit line. But when they are, they are worth a whopping 5% back on categories such as gas stations, restaurants, wholesale clubs (Costco, Sam's, etc. autocomplete results are available use up and down arrows to In order to enjoy the full experience of the Discover Launch Quicken. I was threatened by a letter from discover to use the card or they will close my account. This bank acts as though this is their money and not mine! 1) On the Mobile & Web tab, I go into Account Settings, which opens the Edit Account Settings window, and then check the box for the Discover card.The password box there is pre-filled (from password vault), but I have also tried manually typing it in, it makes no difference. We noticed that you're using an old version of your internet The rewards are great. To me, the only drawback to the rewards system is that certain merchants/types are highlighted just per quarter for maximum rewards. They can come as balance credits or be applied to PayPal or Amazon purchases... or even as checks if desired. The fact that Discover will match every single cent of cash back earned for … If you do not have this information, you will not be able to activate the card at this time. Enter your new card information. Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. We think you’d like this cash back card: Discover it® 5% Cashback, See if you’re pre-approved with no harm to your credit, We think you’d like this student card: Discover it® Student Cashback, We think you’d like this student card: Discover it® Chrome for Students, We think you’d like this cash back card: Discover it® Chrome, We think you’d like this travel card: Discover it® Miles, We think a secured card is right for you: Discover it® Secured. Discover for me is my favorite and you can always talk to a human 24 hrs even with the virus no one has that surprised me. If you don’t typically use your card to buy larger ticket items, your credit card may get declined until you verify that it’s you making the purchase. FAQ. Screw this company. Common issues for credit cards: Make sure your credit card and billing information is entered correctly, that your card has not expired, and that the booking cost does not … While there are long odds against finding a U.S. business that accepts other credit cards but not Discover, those businesses do exist. I have Chase and I have never had a problem with them in 12 years. Learn The card is FREE (no annual fee), billing is accurate, and their attention to online and PoP purchases is exemplary. Past problems of acceptance at some merchants have been resolved: the Discover card is accepted almost everywhere now. 2021-05-19 21:26:37 @LenaleeLuna That moment when you discover you could've saved MINUTES on your speedrun but turning on controller support for no input delay T_T. They told me they would close it and do an investigation. If so, these businesses may have placed a hold on your card to cover potential costs related to your stay or rental. It was impossible. If you have experienced a problem with the site, please contact Customer Service at 1-800-DISCOVER (1-800-347-2683) I like them so much I added a new card a few months ago. Discover Bank Overview. the display of rates and APRs. So I used the card in order to keep it open and waited for the bill. What can I do? I have also gotten since you ask for one I can't talk to you for 24/48 hours. If a card is lost or stolen, it's easy to freeze it by using the online app or by using their mobile app. It comes with a generous introductory offer: 0% … Its location on this page may change next time you visit. I am definitely going to let any and everybody know not to do any business with this bank unless they are prepared to go through such ridiculous customer service. Touch device users, explore by This happens when your card becomes exposed to potentially fraudulent activity either in-store or online. Soon it will be like Sears its originator. Last 4 Digits of SSN. Date of Birth. ConsumerAffairs is not a government agency. 1%-2% Cashback. In our opinion, this card doesn't have much in the way of cons. I called Discover at 10:00 pm on a Sunday and explained what happened, within 15 minutes the pending charge was stopped/frozen reported as fraudulent as well as the other 6 charges on my account. Free FICO credit score: The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. Account freeze: Multiple purchases in one day from various locations raises a red flag for credit card companies, as this can be a sign of fraudulent activity. Discover Card extended credit to my ex-wife and attacked my credit rating to extort money from me. Excellent online resource for those who need to learn about money management and how to stay out of debt. It's about brand credit cards that are managed by Synchrony Bank. Lately I disputed charges from NY Sports after I no longer go there: discover deducted the disputed amount one month then added it following statement. Your credit card could be refused if you attempt to make a purchase that pushes your balance over the new, lower limit. website, please turn JavaScript on. You’ve Reached Your Credit Card Limit. I am contacting the BBB and any other organization that needs to be aware of this bank's atrocious dealings! Need a more rewarding credit card? What to Do When Your Card Gets Declined. review and enter to select. Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Come to find out wasn’t just me. They also pickup on scams when your purchasing something get instant text if you still want to purchase you text back yes. Mastering your finances and understanding how APRs are assessed and compounded can give you the upper hand in…. Discover will automatically match all … She’s appeared on Fox News, CNN Newsource, NBC New York and more. Giving you the tools to protect yourself and your transactions from attempted credit card fraud is a #1 priority with Discover card. I called them immediately which was around the 12th of November. The Primary cardmember is the person who originally opened the Discover card account. Did your recent travels involve staying at a hotel or using a rental car company? SDs simulator is fantastic. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Note that if you don’t pay them on time or proactively notify them of your financial challenges, then Discover will aggressively pursue unpaid bills. 3. Discover It Secured is one of the few secured credit cards that earn rewards. Then after being on hold 10 minutes and getting switched around the phone system, they hang up on you. Find the best card for you. And also ACTUALLY turning off the graphic upgrade mod that increased loading times T_T A data breach incident impacting Discover cards has potentially provided attackers with access to an undisclosed amount of customer information, although anything from … They let interest build up, got a court order, and what was $2,000 is now $10,000 getting garnished. So if your credit isn't amazing, your rate … One of my cards which isn’t Discover made online account. Please refer to the detailed instructions below: 3.5. on Discover's website, or call (800) 347-0264. Now my sons are affected by this: they never made one transaction using discover but they put it on their credit reports. Reputation: I have accounts with other online banks and Discover Bank is the only one that has put me through such time consuming measures and outrageous procedures! Have disputed charges and Discover customer service is either unavailable or they make excuses for the fraud and charge me back. So now they opened ANOTHER account about a month later. It provides international credit solutions and acquires 5,000 new customers every day. That means you have to go online and "enroll" each time they change. Search for resources, Opens in a modal dialog. There are a few common factors that might prevent you from adding a new credit or debit card to your account. In either case, please note your user ID, as you will need it to update your Discover Card account in Quicken. Would rather have a set % on everything. Five stars. Discover Bank ranks 105 of 756 in Banks category. In those locations and only for credit cards, a merchant may require a minimum transaction amount of U.S. $10. I had always heard Discover was great plus my sister loves her locked in interest rate. Their internal systems have twice flagged small purchases that weren't mine, were found to be "tests" of the card. All they want is free money even knowing it isn't your account. For more information about reviews on ConsumerAffairs.com please visit our My problem with Discover secured card is the initial limited cannot be increased, even if you are going to deposited more money. I ask them to put that in writing but they refuse. Then explain where you are, what you’re trying to purchase and ask why your card was declined. Rewards Rate. I had no idea they sent anything because it’s old and I don’t have access to the account. This should be illegal. browser has not been updated. browser to access this page. Continual problem for years that individuals need to really sort out. Discover is a bad card and a bad company. As of two weeks later, Quicken still does not recognize this change. They are far and above the worse people and the worst company I have ever seen or dealt with. Problem Connecting with Synchrony Bank credit cards. I have been a Discover card holder since 2006. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. We value your privacy. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Discover it® chrome. you must update your browser as soon as possible. I've had Discover Card since 1980 and use it all the time. Discover has a great reputation as one of the largest lending institutions in the country. Your card recommendation should’ve opened in a new window. Discover is a leading direct bank and electronic payment services company. It's Harder to Track Spending, Especially Across Multiple Credit Cards. All Rights Reserved. Get buying tips about Credit Cards delivered to your inbox. Her advice has been featured in The Wall Street Journal, USA Today, Money Magazine, CNNMoney.com, The New York Times, Kiplinger, Real Simple, Time.com, Family Circle and much more. They screwed my credit without contacting me. touch or with swipe gestures. Recent accounts opened: Another risk factor that can make card issuers wary is when you've … I called Discover, they determined to be safe to change the card, and did an investigation. A link has directed you to this review. My account is still frozen and they won't let me give instructions for what I want to do with MY CD! I immediately looked at my account and found 6 other charges also just under the amount I had selected. Please follow the troubleshooting steps below to resolve payment issues. Online access lets you log in anytime to check balances, transfer money, pay bills and more. A card was opened in my name around the 4th of November, and I noticed it due to Credit Karma. With a high 5% cash back and no annual fee, the Discover It Card is hard to beat. They would NOT ACCEPT A PAYMENT. The overall rating of the company is 1.6 and consumers are mostly See reviews below to learn more or submit your own review. Sometimes credit card companies decline a purchase on your card for your own protection. Students can use their cards after graduation, too. I promise as a veteran that teaches Soldiers I will pass along what a bad company Discover is. Cash back: That's what I call service! You can potentially avoid this issue by letting your credit card issuer know ahead of time that you will be traveling, especially internationally. It's the classic catch-22 for a student. Discover has a fast, simple, and secure online preapproval tool to help you check offers specific to you, without hurting your credit score. I've been very pleased with Discover Card over the years and would not be without it! Expect to answer a few security questions to verify your identity. Turned out there was a lot of that going on. The categories change every three months and are not always in areas we use a lot. See what we’re doing to heighten security features and what to do if you suspect a fraud attempt. Tracking your spending is a … We’ll start sending you the news you need delivered straight to you. To protect your account security, I hadn’t used it in a long time. Discover provides a free online FICO credit score for consumers who have an account. They call me on daily basis offering me to pay certain $ amount and close the deal. It may be a good idea to get into the habit of regularly checking your credit card balance, so that you know how much available credit you have to use on purchases. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. For specific advice about your unique circumstances, you may wish to consult a qualified professional. We value your privacy. Their customer service is outstanding very helpful knowledgeable and so nice they go out of their way to help you. It's easy, convenient and secure. Intro offer. If your balance creeps up toward your credit … I had a problem where someone attempted to use my card number in another state since the charge amount was more than the amount I set up in my qualifiers. I also love pulling up my accounts online very understandable. Oh, I am sorry let me see if they are available. A minimum deposit of $200 is needed to be approved for a Discover It … After about 50 calls and sending them the information they requested I still get the same thing OVER AND OVER AND OVER AGAIN. When I contacted them they said they used an email from 2013. Most cards will have a contact number on the back of the card. Both times I had new cards within 48 hours and everything transferred to the new cards. Unsubscribe easily. It does not guarantee that Discover offers or endorses a product or service. It can be a bad feeling when you go to use your credit card, like you always do, and suddenly it’s declined or not working. DISCOVER CARD Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported Your Search: Discover Card There may be more reports for "Discover Card" To prevent unauthorized purchases, the company may freeze your account. They never called or sent a letter. some of the functionality on our website will not work, such as Problems adding credit or debit card information to PlayStation™Store. What Does Pre-Approved Mean in Credit Card Offers. Discover Bank Secure Account Log In. Every 3 months they change businesses to get cash back and the stores October to December are the stores I always shop at them. Chevron and Union 76 (and possibly other companies) moved their credit cards in mid-March 2021 to management by Synchrony Bank. Past problems of acceptance at some merchants have been resolved: the Discover card is accepted almost everywhere now. Please Note: JavaScript is not enabled in your I have had numerous credit cards by far Discover is my favorite one. If you don’t see it, you can use this link: When Enjoy reading our tips and recommendations. Sometimes, simply verifying your identity is enough for the credit card company to authorize the transaction. If you travel outside the U.S., your credit might … Intro Offer: Unlimited Cashback Match – only from Discover. I have been calling these people for over 5 months and have yet to get a supervisor on the phone. If you have the wrong attitude about credit cards, it could be easy to … While Discover's interest rates are on the high side, this is no issue for people who pay their balances every month. This is an excellent credit card for their cash back rewards on quarterly categories. This profile has not been claimed by the company. Welcome. I was instructed to call the bank and when I did, they told me I had to send a copy of my driver's license and social security card! It’s Christmas time so your rewards add up quick. 16-Digit Card Number. You'll Discover card's rates are based on your credit score and typically range between 11.99 percent to 22.99 percent. Really?? Also, once there was a mysterious payment of $1 from an unknown bank. It’s one of the most trusted financial institutions in the country, and it has been operating since 1986, which is when it introduced the first cash rewards credit card. The company also has a wonderful reputation for customer service. Do you know about Discover's cash back program? Learn how to get a credit card even if you have no credit history. These free rewards for eligible Discover cardmembers let you earn cash back from using your Discover card…, Our student cards have great cash back rewards and benefits. web browser. Went to make a $200 payment, Discover refused saying it wasn't enough. The supervisor Tom said, "That’s our policy" without anything else to help or say. The Cash Back Bonuses build up and I can use them when I want to. This bank didn't ask for all this ridiculous information before I created my account but now they demand all this info. How do I know I can trust these reviews about Discover Card? I have a CD coming to maturity and so when I tried to log in to my account, I couldn't because my phone number had changed. Copyright © 2021 Consumers Unified LLC. It seems customer service works for the perpetrators of the fraudulent charges. Have a great day! While Discover Card has a reputation of being difficult to get credit card assistance from, they do offer some hardship type services and also debt settlement programs to certain customers. If your balance plus the hold amount approaches your card limit, subsequent purchases could get declined until the business removes the hold. 1 If you receive a larger federal tax refund amount or owe less in federal taxes using the same Tax Return Information when filing an amended return through another online tax preparation service, then you may be eligible to receive the difference in the refund or tax amount owed up to $100 (minimum $25) in the form of a gift card from Credit Karma Tax. ), Walmart, E-Bay, or even any online merchant. They did close it and I am not kidding opened another freaking account in less than a week. Don’t be surprised if your card isn’t accepted when you try to use it to pay for gas or snacks as you move along your route. Find out how you receive pre-approved credit card offers, what to look for and how you can opt-out. My identity was stolen back in November of 2020. How Can I Double My Rewards with Discover Cashback Match? You would think once you close an account 3 different times that they would realize it isn't your account but they are idiots. If your card gets declined, call your credit card company immediately. I was notified by Discover of the pending charge for approval. I wouldn't recommend them to my worst enemy. They never sent a bill. more in the Discover Help Center. Really really sucks. If you find yourself at one with only a Discover card (and a shortage of cash) in your wallet, you may be forced to take your business elsewhere. be unable to log in to Discover.com in the future if your I again called and canceled that card as well, and they determined that it was a good account even though I had already closed the first one and immediately closed the second one. Are you planning to make a particularly large purchase on your credit card (think big screen TVs, appliances or furniture)? Ever wondered how credit card interest works? Our content is intended to be used for general information purposes only. Your card has a high interest rate. … The Discover It Card offers great cash-back rewards, including 5 percent cash back in rotating categories and 1 percent cash back on everything else. The cash back rewards are also very easy to use. There are also no restrictions on types of purchases they can be applied toward. Other cases may require following up with customer service to request a credit card limit increase. Best charge card by far. Here are some common (and not so common) reasons your Discover card – or whatever card you happen to use – may get declined when you try to use it to make a purchase, and what to do about it. its line of credit directly to consumers, while Visa and MasterCard are issued through banks and other entities that promote the cards and manage the billing.These Unsubscribe at any time. Good luck to you all and DON'T CHOOSE DISCOVER. I had Discover card acct since 1986. Dean Witter Financial Services Group Inc., a subsidiary of Sears, Roebuck, and Co., developed the They got the kinks out but very rare using that card so didn’t bother to try new site out. So if you get fraud with these idiots you will have to continue to fight with them. Update your original Discover Card account in Quicken by deactivating and then reactivating your account.
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