Is Discover a International Card?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Mitch
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Is Discover a International Card?

Postby Mitch » Sun Dec 14, 2014 1:05 am

Just curious, what is the acceptance like overseas? I know it's nothing like Visa. But still, is it generally accepted, or decent?

The reason I ask, is I may be planning a trip soon, and I'd love to know if my card would be useful (considering I have no foreign transaction fees). Plus, I'd love to put everything on it, and PIF.

So. Can I hear from a few regulars, or travelers about there experience? Will the Card be dead to me, or usable?

Thanks in Advance Guys. :)
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kir
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Postby kir » Sun Dec 14, 2014 3:23 am

Acceptance is pretty poor overseas.
If you go to east asia you might have luck because apparently Discover can work on JCB and Unionpay(?). But i've heard people have had trouble with it.

I'm going overseas next week (europe) and carrying my card. But I'm not expecting it'll work. If I get to use it at the airport I'll be happy.

yfan
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Postby yfan » Sun Dec 14, 2014 3:26 am

It depends on where you are going. In Europe, it is widely accepted but even merchants who accept it don't widely know that they accept it! So don't ask them and just insert the card in the reader (be sure to get the chip card now that it's out). In most cases, it will spit out your receipts to sign.

In Asia, acceptance is very high, especially in China and Japan. Due to an agreement between Discover and China Pay, Discover is accepted anywhere China Pay is, and in China, that makes Discover the most accepted network, outstripping even Visa and Mastercard. There is a similar agreement in place with JCB, Japan's largest payment network.

Other places, you would have to do some research in advance.

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PlyrStar93
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Postby PlyrStar93 » Sun Dec 14, 2014 7:59 am

yfan wrote:In Asia, acceptance is very high, especially in China and Japan. Due to an agreement between Discover and China Pay, Discover is accepted anywhere China Pay is, and in China, that makes Discover the most accepted network, outstripping even Visa and Mastercard. There is a similar agreement in place with JCB, Japan's largest payment network.

Tried on UnionPay network this year without problem, while only a few merchants could take Visa or MasterCard. Present the card and the cashier sometimes won't look into the card and transaction goes through; otherwise they may tell they don't recognize the card, therefore have to explain the card runs on UnionPay. Can only run on UnionPay network within mainland excluding Hong Kong - Discover said they should work on Diners Club network there, but never had chance to try.

One problem would be if Discover equips chip technology, it would be EMV, which is different from China's PBOC standard on its national bank cards. This might cause some problem or not, as now China no longer allows fallback transaction on Chip card + Chip terminal.

If OP is going to Europe, let the card run on Diners Club network, but it is better to also bring the Visa card, regardless of chipped or not. Should be OK at most manned locations, but always remember to have some cash.

Always report international travel plans to Discover, so the card won't be blocked for suspected fraud activity.
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darkguy2
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Postby darkguy2 » Sun Dec 14, 2014 9:24 am

yfan wrote:(be sure to get the chip card now that it's out).


Wait, when did they say you could get one now. Every time I have asked they said they are still working on it.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

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Mitch
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Postby Mitch » Sun Dec 14, 2014 9:40 am

darkguy2 wrote:Wait, when did they say you could get one now. Every time I have asked they said they are still working on it.


I got an email saying, EMV Chip cards would be available in December 2014. Hopefully, it was right :)
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Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.

darkguy2
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Postby darkguy2 » Sun Dec 14, 2014 9:46 am

It was! Just called in today and got mine sent to me.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

yfan
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Postby yfan » Sun Dec 14, 2014 10:23 am

PlyrStar93 wrote:One problem would be if Discover equips chip technology, it would be EMV, which is different from China's PBOC standard on its national bank cards. This might cause some problem or not, as now China no longer allows fallback transaction on Chip card + Chip terminal.

I could be wrong, but my understanding is that the PBOC standards are for the terminals, not the cards. The primary difference is that PBOS compliant terminals do not allow offline PIN transactions. But as long as everything is done online and transaction verification is live, it shouldn't be a problem.

MB131174
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Postby MB131174 » Sun Dec 14, 2014 2:19 pm

I called and ordered mine today. I asked if it was signature or PIN. Here's what I was told (you can't make this stuff up): "You'll just insert the card into the reader. You won't need a PIN and also shouldn't have to ever sign either." OK then. So I ask about overseas where a PIN is often required, such as at an unmanned kiosk, and was told, "You can call us ahead of time and we will set up a PIN for you." I said that sounds like cash advances, and the lady said it would be the same PIN for cash advances AND purchases. Wow. From that conversation it would almost seem that Discover has developed some new hybrid chip for their cards that will do everything and nothing all at the same time. Granted, I know that's not true. It's just another case of front line reps not knowing what the hot fudge sundae they're talking about. I have no idea what kind of chip the card has. At this point I almost don't care. Despite my (now fading) love for Discover, this is making my chip & PIN Diners Club card seem tempting to start using as my everyday card now.
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itsmeandrew
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Postby itsmeandrew » Sun Dec 14, 2014 3:02 pm

I just called this morning to ask about getting a chip card and coverage for a trip to Europe this summer, and the CS rep said chip cards will be available on the 15th. She also confirmed that Discover network is growing in England and in other parts of Europe it will be accepted with Diner's Club Int'l.
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Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
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