Discover Is Crazy (CLI related)

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Postby popamode72 » Thu Oct 09, 2014 8:29 pm

MrMosby wrote:Citi is the worst, I would get rid of my Citi card but I don't want to lose available credit.

Citi's honestly okay IMO. I mean their EO people were really helpful and I wish their normal customer service was a lot more like that and most of the time, I've gotten decent service through their online chat. I also give them a lot of credit for being the first lender to ever approve me for a credit card at all and I also had a checking account with them prior to that. I think with them, it just takes finding the right person to talk to who can actually make things happen. I had felt really bitter about Citi for quite a while until I managed to get an APR reduction and now my CLI with them.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Postby rockyrock » Thu Oct 09, 2014 10:53 pm

MrMosby wrote:Citi is the worst, I would get rid of my Citi card but I don't want to lose available credit.

I agree, every time I call they identify me as a "valuable premier customer" or something along those lines; and they proceed to deliver lousy service. I'll not be renewing my AAdvantage card when it is due.
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

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Postby CarefulBuilder14 » Thu Oct 09, 2014 11:12 pm

MrMosby wrote:Yes their service is phenomenal, in fact its probably the best - their normal CSR's are pretty much as empowered as the JP Morgan Executive Line that you get with your Ritz Carlton, and much better than Amex Platinum.

I've now heard complaints from a few people on here about Amex Platinum's declining customer service. It is rather disconcerting for a card with $450 AF.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Postby Vattené » Fri Oct 10, 2014 10:44 am

CarefulBuilder14 wrote:[color="blue"]People who rave about Discover are simply people who like the good customer service and rewards - and usually care less about a low limit, so long as it isn't prohibitively low.[/color]

It seems 90%+ of the bad things I hear people say about Discover relate to getting a low CL/small or no CLI/application denial. When it comes to actually helping customers in connection with purchases, complaints are fairly few.

Edit: I'd much rather have my $2k Discover than a $10k line with mediocre rewards and bad service.

This describes me perfectly. My limit is much more than I spend in a typical month, and I'm happy to manipulate my payments around this to get low utilization reported. I haven't been with them for years with an unchanging limit, so it's always possible my tune could change if that becomes the case.

However, what I have works for me and I value the rewards above all else. Their customer service has been phenomenal in my experience - it is great to have and I appreciate it is U.S.-based, but honestly it's not like I use it that much. I'm not with any other prime lender (though I plan on it down the road), so I also don't have anything to compare their CL to for my specific case. It's always great to have a higher limit for utilization purposes, but, again, what I have meets my needs and I'm very happy with them as a company overall so I can't complain.
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

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Postby irvinfitness » Mon Oct 13, 2014 2:57 pm

Michael wrote:Yes.

5% on restaurants (including Starbucks, Mcdonalds, etc.) all year, no cap.

That went away after 6 months or so . . . too good to last.

Although there is a cap....US Bank Cash+ allows you to select your categories for 5% each quarter and Restaurants/Fast Food are always options.
[size=60]Chase Freedom Signature - 10k (rotating 5%)
Citi Platinum Select - 8.1k (rotating 5%)
Discover It - 12k (rotating 5%)
AMEX BCE - 20k (Groceries 3% / Gas 2% )
Regions Signature Visa - 5k
US Bank Cash+ - 5.5k (Restaurants/Fast Food 5% / Drug Stores 2%)
Navy Federal cashRewards Visa Signature - 20k (Business Purchases)
Care Credit - 6k (Vet Bills/Dentist - 0% APR)
Chase IHG Rewards (Priority Club) - 18k (Annual Night Certificate, Platinum Elite Status)

Not used except for occasional purchase with promo:
Jared - 7.5k [/size]

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