- Platinum Member
- Posts: 99
- Joined: Thu Oct 28, 2010 1:17 pm
- Location: Chicago
Just providing an update. Things were finally reestablished in full to where they were last Ococtober when Discover mistakenly applied a payment incorrectly and cut the credit line due to their internal error of showing the account was delinquent.
In the subsequent periods, my charging activity was moved almost totally to other cards based upon their unreliability. While not paying close attention to how individual cards really operate before the October error by Discover it has become pretty apparant to me that Discover "talks" a good game, smiles a lot on the phone, advertises a lot (although not effectively), but also has credit processes which are not well engineered at all and in those cases not reflective of risk. These are not risk reduction practices that are broken, they are simply not well well thought through ways of doing business or are just very poorly executed.
My sense is that Discover certainly has strengths. It is a card worth having, and I do. But it is still a card that should not be relied upon, the card to get when you have 3 others first and a card that should be used selectively. I 've now seen this in not only the situation where they errored with me, but heard it in stories from other people and in material available online about activity at organizations like the Better Business Bureau.
They certainly "pissed" this customer off, took an amzingly long time to fix their own error, and in the final result did very little constructive for anyone: themselves included