- Platinum Member
- Posts: 99
- Joined: Thu Oct 28, 2010 1:17 pm
- Location: Chicago
I really am not trolling for things to complain about with Discover. But they just seem to do things so very inconsistent with common sense, good business practice, customers reaction or the way other and more successful cards operate.
So here is the story. I have a Discover card that gets used infrequently and is the back of the wallet. Little reason to close the account, but also little reason to use it as my primary card; credit limits much lower than other cards, absurd operating policies, past failures to promptly correct their own mistakes.
Well I was planning a road trip and decided to let all my card issuers know that I would be traveling to avoid any authorization issue. Travel was domestic. The easiest and most efficent way to do this in my judgment is online through each issuers website.
Now with all issuers you have a password and then challenge questions when they feel its needed. Discover too. And almost all financial institutions loudly scream that they will never ask for. Most strongly state that you shouldn't give personal information out.
So no problems or issues at all in advising Citi, Chase, Amex ( who says you don't need to advise them), Bank of America. BUT, I get to Discover and they want mothers maiden name, and social even after I have gotten into the account.
Sorry guys; I undertsand the importance of fraud control but that just sounds way too much like the exact info that "phishing" scams want and is not supposed to be asked for online. If Discover does not trust its own passwod and challenge protection, the question I have is why ? And how are we supposed to tell the difference between the good guys and bad guys whenthe good guys are asking bad guy type questions in exact ways that we are all being told not to do?
Does Discover think about the consumer reaction to anything besides new customer marketing and usage stimulation ?
So I end up advising them on the phone - the only card this was needed to do this way.
Whats the saying.."It Pays To Discover" or should it be "Its Painful to Discover".
Maybe Peggy needs needs to focus on reality.