Discover discontinue the following benefits

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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jumbo
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Re: Discover discontinue the following benefits

Postby jumbo » Wed Jun 24, 2015 3:23 pm

My baggage has been delayed quite a few times, but never when I used Discover to buy the tickets. Never got to use the benefit, and now its going. :beat:
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card


darkguy2
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Re: Discover discontinue the following benefits

Postby darkguy2 » Sat Jun 27, 2015 7:58 pm

Got my notice today.
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)

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amexmember12
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Re: Discover discontinue the following benefits

Postby amexmember12 » Sat Jun 27, 2015 9:15 pm

Just check my benefits page, and saw the notices.

MemberSince99
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Re: Discover discontinue the following benefits

Postby MemberSince99 » Sun Jun 28, 2015 7:57 am

Yep.

This just means we have to be careful of when we use Discover and when we don't. I'm sure they feel the double rewards for a year makes up for it. To an extent that's true, but, just be careful of when you use that Discover - now there may be times it makes more sense to use another card just in case. Odds are it won't matter but it just might be important to choose another card for certain things.

My other concern with Discover is disputes. With Amex I have no concern whatsoever there, but with Discover I've heard conflicting things - online I've read they tend to always side with the merchant. But I have a friend who has had one for years who tells me she disputed a charge and they sided with her.

Since I have no personal experience either way with Discover, that's another reason I'd consider using another lender if I hadn't dealt with a particular merchant before or suspected there could be issues with the purchase. In that case I'd want to use the Amex. I personally have not had to dispute anything in years, other than when someone stole my Freedom and charged something on it (Spotify). But you just never know.

I almost hate to say it but in my view Discover should have left the benefits in place since they don't cost that much anyway I wouldn't think, and just not done the 10% rewards on the 5% categories or something. They'd still have been ahead giving 2% general spend and not causing us to question using the card. As a lender, the LAST thing you should want is people analyzing whether they should use your card instead of a competitors card on any given purchase - you want them going to you. This kind of defeats that.

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amexmember12
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Re: Discover discontinue the following benefits

Postby amexmember12 » Sun Jun 28, 2015 5:16 pm

MemberSince99 wrote:Yep.

This just means we have to be careful of when we use Discover and when we don't. I'm sure they feel the double rewards for a year makes up for it. To an extent that's true, but, just be careful of when you use that Discover - now there may be times it makes more sense to use another card just in case. Odds are it won't matter but it just might be important to choose another card for certain things.

My other concern with Discover is disputes. With Amex I have no concern whatsoever there, but with Discover I've heard conflicting things - online I've read they tend to always side with the merchant. But I have a friend who has had one for years who tells me she disputed a charge and they sided with her.

Since I have no personal experience either way with Discover, that's another reason I'd consider using another lender if I hadn't dealt with a particular merchant before or suspected there could be issues with the purchase. In that case I'd want to use the Amex. I personally have not had to dispute anything in years, other than when someone stole my Freedom and charged something on it (Spotify). But you just never know.

I almost hate to say it but in my view Discover should have left the benefits in place since they don't cost that much anyway I wouldn't think, and just not done the 10% rewards on the 5% categories or something. They'd still have been ahead giving 2% general spend and not causing us to question using the card. As a lender, the LAST thing you should want is people analyzing whether they should use your card instead of a competitors card on any given purchase - you want them going to you. This kind of defeats that.


Yea - I think I am going to stick with my PRG or my CSP for those stuff.

MemberSince99
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Re: Discover discontinue the following benefits

Postby MemberSince99 » Mon Jun 29, 2015 6:01 am

Honestly those are far better travel cards anyway than an IT. Except the IT had no FTF unless they are changing that too, but the thing is it doesn't seem like you can use it in that many foreign countries anyway.

It clearly seems Discover doesn't want the travel market on the IT, but there are far better choices for travel.

And this, is a great example of why I'll never let myself have only one card. I found 14 cards to be a massive PITA, but I won't lock myself into only one lender because the benefits are subject to change anytime at that lender's whims.

Brad Bishop
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Re: Discover discontinue the following benefits

Postby Brad Bishop » Mon Jun 29, 2015 7:40 am

oldsoldier wrote:I have never used any of the services they are doing away with so it really isn't a bother for now. I will think twice when I am traveling about pulling the card out first though. The extra benefits are just a security blanket one likes to have.


A lot of these services strike me as fluff services which they (not just Discover, but other credit card companies / banks as well) never really intend on people using. Yeah, there's always that one guy, but most people aren't going to think, "I'm broken down on the side of the road.. I'll call Discover - I think that they handle this!"

I think most people think along the lines of:
- "I'll use my Discover card because it'll get me 1-5% cash back"
- "I'll use my American Express Delta Gold card for this flight on Delta because I get free bags."
- "I'll use my American Express for this hotel because it's my travel card."
- "I'll use my Visa/MasterCard because it works everywhere."
- "I've never seen a Diners Club card."

Whatamuji
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Re: Discover discontinue the following benefits

Postby Whatamuji » Tue Jul 28, 2015 9:00 am

Got an email notice today. It looks like the benefits slashing will also be on IT cards as well.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

yfan
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Re: Discover discontinue the following benefits

Postby yfan » Tue Jul 28, 2015 3:28 pm

Brad Bishop wrote:
oldsoldier wrote:I have never used any of the services they are doing away with so it really isn't a bother for now. I will think twice when I am traveling about pulling the card out first though. The extra benefits are just a security blanket one likes to have.


A lot of these services strike me as fluff services which they (not just Discover, but other credit card companies / banks as well) never really intend on people using. Yeah, there's always that one guy, but most people aren't going to think, "I'm broken down on the side of the road.. I'll call Discover - I think that they handle this!"

Made me chuckle!

kdm31091
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Re: Discover discontinue the following benefits

Postby kdm31091 » Thu Jul 30, 2015 10:48 pm

Member is so obviously biased against Discover it is painful. These are niche benefits that hardly any normal consumer even KNEW about let alone used. Sure, it sucks to see benefits cut but the way he talks is like everyone should abandon Discover over this which is ridiculous.

As far as disputes I have no experience because I have never had an occasion to dispute a charge but he speaks of disputes as if people are disputing charges every minute of the day



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