Almost pulled a member

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
14 posts
MB131174
Centurion Member
Centurion Member
 
Posts: 512
Joined: Mon Mar 05, 2012 10:58 am
Location: PA

Almost pulled a member

Postby MB131174 » Sat Feb 21, 2015 11:02 am

So after looking at the new Miles card, I felt it would be a better fit for me than the IT card. I tried to convert and they said "no". I applied for the Miles and thought then I'd just consolidate the two cards. Again, "no!" My interaction with the twitter and online chat reps was dismal to say the least. I almost had them close it, but, decided to keep it open just for scoring purposes. I used to love Discover. They even gave me an automatic CL increase the other day. They used to be my card for everything until I got my Platinum card. I was going to switch back to the Discover usage once I got my 40,000 MR point bonus. Well, that plan is now axed. I'm going to keep using my Platinum card and when the AF is due I'll downgrade to the Green and keep using that as my "daily driver" card. It just shocks me the low level of service I got today. Normally I say they are excellent. Today, not so much.
stalk me
KIK: WMB1974


Battery111
Centurion Member
Centurion Member
 
Posts: 284
Joined: Wed Apr 09, 2014 9:40 pm
Location: Lawton, ok

Postby Battery111 » Sat Feb 21, 2015 11:43 am

MB131174 wrote:So after looking at the new Miles card, I felt it would be a better fit for me than the IT card. I tried to convert and they said "no". I applied for the Miles and thought then I'd just consolidate the two cards. Again, "no!" My interaction with the twitter and online chat reps was dismal to say the least. I almost had them close it, but, decided to keep it open just for scoring purposes. I used to love Discover. They even gave me an automatic CL increase the other day. They used to be my card for everything until I got my Platinum card. I was going to switch back to the Discover usage once I got my 40,000 MR point bonus. Well, that plan is now axed. I'm going to keep using my Platinum card and when the AF is due I'll downgrade to the Green and keep using that as my "daily driver" card. It just shocks me the low level of service I got today. Normally I say they are excellent. Today, not so much.


I can understand your frustration, and AMEX is also my daily driver. However I do have to question your strategy. Both the platinum and green are arguably the worst cards from amex for daily use, since it's a straight 1 point per dollar. For a daily driver I would think you would be better to downgrade to a PRG if you want to maintain a charge card, or switch to one of their revolvers that better rewards day to day expenditures.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa

MB131174
Centurion Member
Centurion Member
 
Posts: 512
Joined: Mon Mar 05, 2012 10:58 am
Location: PA

Postby MB131174 » Sat Feb 21, 2015 11:59 am

Battery111 wrote:I can understand your frustration, and AMEX is also my daily driver. However I do have to question your strategy. Both the platinum and green are arguably the worst cards from amex for daily use, since it's a straight 1 point per dollar. For a daily driver I would think you would be better to downgrade to a PRG if you want to maintain a charge card, or switch to one of their revolvers that better rewards day to day expenditures.


I can see how the PRG would be good for some people, but not me. My commute to work is 4 miles, so, gas bonus would be almost nothing extra. Grocery stores? I don't spend enough at them for that category. I do get my fresh product there, but everything else comes from Walmart. I don't fly enough on tickets that I personally paid for to make the airlines bonus worth anything either. So, the bonus categories for the PRG for me are worthless. The reason I prefer a charge card is it keeps my spend in check. Debit cards carry too much risk to use. I'm finding using a charge card makes me think before I spend.

In the UK, AmEx has a charge card that has no annual fee, but no rewards. Sometimes I wonder why they don't offer that here.

The reason I did like the Discover is that I could literally use it for anything. I still kept my spend in check, but it was harder. AmEx doesn't cover everything I would use it for, which is also frustrating. I'd prefer to have a one card solution. That's the biggest downfall I'm seeing on using the amex charge card. I'm now forced to use it for most stuff, and another card for other items. I personally don't like my spend being spread out like that.

Now that I'm clarifying some venting - maybe I should go ahead and keep using my Discover card for now since it literally covers all bills/spend that I have. A quick snap shot of all my spend is good to have I feel. I've missed it since using the Plat card since I'm forced to spread my spend.
stalk me
KIK: WMB1974

Battery111
Centurion Member
Centurion Member
 
Posts: 284
Joined: Wed Apr 09, 2014 9:40 pm
Location: Lawton, ok

Postby Battery111 » Sat Feb 21, 2015 12:04 pm

MB131174 wrote:I can see how the PRG would be good for some people, but not me. My commute to work is 4 miles, so, gas bonus would be almost nothing extra. Grocery stores? I don't spend enough at them for that category. I do get my fresh product there, but everything else comes from Walmart. I don't fly enough on tickets that I personally paid for to make the airlines bonus worth anything either. So, the bonus categories for the PRG for me are worthless. The reason I prefer a charge card is it keeps my spend in check. Debit cards carry too much risk to use. I'm finding using a charge card makes me think before I spend.


That all makes perfect sense. I really wish AMEX would do something to make the green more desirable, but I suppose they don't really need to since people (myself included) keep signing up for it. It's just the classic AMEX. I just wish it had a bit more substance.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa

notcool
Platinum Member
Platinum Member
 
Posts: 56
Joined: Sun Jan 26, 2014 2:57 pm
Location: usa

Postby notcool » Sat Feb 21, 2015 12:44 pm

MB131174 wrote:Now that I'm clarifying some venting - maybe I should go ahead and keep using my Discover card for now since it literally covers all bills/spend that I have. A quick snap shot of all my spend is good to have I feel. I've missed it since using the Plat card since I'm forced to spread my spend.


I think its good to vent now and then. Few of us like being told no, and it sucks that discover wouldn't consolidate the cards.

But its important to ask: is this just upsetting for the next few hours or does this make discover a bad payment method for me over the long term? After all, all the credit card companies will at times have their quirks or say no to some of our requests. So if this is just a minor annoyance, well, you will still have annoyances with all the issuers. But if this is a deal breaker - and if discover is not a good payment method for you -- then it might make some sense to cancel.

Members drove himself crazy because no company would give him all he wanted all the time. He kept opening and closing accounts with one issuer only to find that the next issuer wasn't perfect either. Being a good consumer is smart. Getting the best deal for our needs is smart. Expending lots of emotion over credit cards probably is counterproductive.

MB131174
Centurion Member
Centurion Member
 
Posts: 512
Joined: Mon Mar 05, 2012 10:58 am
Location: PA

Postby MB131174 » Sat Feb 21, 2015 1:18 pm

notcool wrote:I think its good to vent now and then. Few of us like being told no, and it sucks that discover wouldn't consolidate the cards.

But its important to ask: is this just upsetting for the next few hours or does this make discover a bad payment method for me over the long term? After all, all the credit card companies will at times have their quirks or say no to some of our requests. So if this is just a minor annoyance, well, you will still have annoyances with all the issuers. But if this is a deal breaker - and if discover is not a good payment method for you -- then it might make some sense to cancel.

Members drove himself crazy because no company would give him all he wanted all the time. He kept opening and closing accounts with one issuer only to find that the next issuer wasn't perfect either. Being a good consumer is smart. Getting the best deal for our needs is smart. Expending lots of emotion over credit cards probably is counterproductive.


All true. After cooling off after what is probably a fluke of bad customer care, I reevaluated my situation. The Plat card is great for the 40,000 MR point bonus. Beyond that, in all honestly, using amex isn't in my best interest. If I really want to get a grasp of my spend - I feel I'm better off seeing a snapshot of ALL my spend in one place, vs spread out over multiple cards. Using amex for "most" purchases may help in some areas, but, I may be forgetting at that moment that there is a balance of $250 on another card b/c I wasn't able to use my amex. Literally all bills I have, even electricity, can be paid for with my Discover. I decided to not only keep the card, but re-switch all my automatic payments back to Discover.

In my area, central PA, even all (or all the ones I've been to) small mom & pop shops take Discover. (So glad the local pizza joint does!) A lot of places don't take amex here, even Subway. What I like about it is that Discover is both the card issuer and network it runs over. Less chance of bouncing back and forth when an issue arrises as far as benefits, etc. That's why I prefer issuers & networks to be the same company.

Getting an almost free flight now and then is nice. However, the schedules and availability usually suck when going to where I go. I'm not even loyal to one airline. When traveling to Amsterdam & Tel Aviv I've flown them all: KLM, EL AL, Aeroflot, Air France, Italia, Lufthansa, British, etc. Whoever has the best fare gets my business. Often I can get flights for 800 to 1,000 so burning 60,000 points doesn't make sense. Right now, now that I'm cooled off, I see that in all honesty Discover is the best issuer for me at this moment.

The fact they gave me an automatic CL increase this week is a plus.
stalk me
KIK: WMB1974

luvbullmarkets
Centurion Member
Centurion Member
 
Posts: 248
Joined: Thu Apr 21, 2011 1:02 am
Location: TPC Stonebrae

Postby luvbullmarkets » Sat Feb 21, 2015 2:27 pm

MB131174 wrote:In the UK, AmEx has a charge card that has no annual fee, but no rewards. Sometimes I wonder why they don't offer that here.


I have heard of the Senior Amex Green card that offers no MR points. However, you may need to prove that you are a senior citizen on fixed income. Perhaps providing Amex a copy of Social Security proceeds or an AARP card.
Amex PRG, Amex EveryDay, Amex BCE, Barclaycard Arrival, Cap One Venture One, CSP, Chase Freedom, Discover it, Macy's Star Card, Wells Fargo Propel 365 Amex, Wells Fargo Visa Sig

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

thom02099
Centurion Member
Centurion Member
 
Posts: 475
Joined: Sat Apr 13, 2013 7:49 pm
Location: Colorado, USA

Postby thom02099 » Sat Feb 21, 2015 4:37 pm

luvbullmarkets wrote:I have heard of the Senior Amex Green card that offers no MR points. However, you may need to prove that you are a senior citizen on fixed income. Perhaps providing Amex a copy of Social Security proceeds or an AARP card.


One does not have to be on a fixed income to get the Senior Green (or Gold) card. No need to present an AARP card or anything to do with Social Security. No proof of age is required at all. It was initially marketed to those over 62, but that has been changed. Also, you can get MR points on both the Green and Gold Senior cards, by paying an additional AF -- for the Senior Gold it's a $95AF versus $125 for the regular Gold/$75 for the Senior Green versus $95 for the regular Green.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

luvbullmarkets
Centurion Member
Centurion Member
 
Posts: 248
Joined: Thu Apr 21, 2011 1:02 am
Location: TPC Stonebrae

Postby luvbullmarkets » Sat Feb 21, 2015 10:15 pm

thom02099 wrote:One does not have to be on a fixed income to get the Senior Green (or Gold) card. No need to present an AARP card or anything to do with Social Security. No proof of age is required at all. It was initially marketed to those over 62, but that has been changed. Also, you can get MR points on both the Green and Gold Senior cards, by paying an additional AF -- for the Senior Gold it's a $95AF versus $125 for the regular Gold/$75 for the Senior Green versus $95 for the regular Green.


Do you actually know individual card holders who are relatively youthful? I would think AMEX won't just hand these out to everyone without some sort of verification. Perhaps I could do my best geezer impersonation on the phone with the CSR.
Amex PRG, Amex EveryDay, Amex BCE, Barclaycard Arrival, Cap One Venture One, CSP, Chase Freedom, Discover it, Macy's Star Card, Wells Fargo Propel 365 Amex, Wells Fargo Visa Sig

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

thom02099
Centurion Member
Centurion Member
 
Posts: 475
Joined: Sat Apr 13, 2013 7:49 pm
Location: Colorado, USA

Postby thom02099 » Sun Feb 22, 2015 10:54 am

luvbullmarkets wrote:Do you actually know individual card holders who are relatively youthful? I would think AMEX won't just hand these out to everyone without some sort of verification. Perhaps I could do my best geezer impersonation on the phone with the CSR.


This from AMEX T&C for the Senior Gold Card: https://web.aexp-static.com/us/content/pdf/cardmember-agreements/senior-gold/SeniorGold.pdf

No mention of any age requirement.

And this thread from MyFICO forum for a holder who's 24 years old: http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Senior-Green-Charge-Card/td-p/2679305

The senior cards are available. They are just not marketed, as they originally were.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 2 guests