The only two things I hate about Discover..

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
andy1088
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Postby andy1088 » Mon Apr 16, 2012 9:12 am

Iroquois wrote:Those who love Discover certainly sing the praises, but in making 2 decisions, first which card to get and second, which card to use, Discover is appropriately a card for back of the wallet.

Discover as an entity does not have the strength of other issuers so it must be more conservative in its practices. Credit lines are lower, interest rates typically higher for most, merchant acceptance not as widespread, backroom operations and customer service uneven and at best on-par with others at remarkably low rates of satisfaction and meaningful Better Business Bureau issues. Rewards programs not as good as competition. Historically over aggressive in some advertising and the focus of government inquiries ( but almost all issuers are too)

None the less a card worth having inthe back of wallet in case needed ot to use when advertised specials make sense.

Advertsing frequently misdirected with hype not in line with reality. But you do speak to CS in US ( now how often to you need to...and if you need to frequently then something else is broken).

Now on the flipside they do pay really good (relative) returns on savings products ( funds they could raise much cheaper in the open commercial markets) as they are forced to pay up to attract consumer deposits. JMHO.


I actually got double the credit line with Discover that I got with Chase Freedom and I also have been a chase banking customer for 4 years. I also got 12 months 0% apr with Discover after calling to dispute it, Chase did not give me the promised 0% apr and I called them 5 times and they would do nothing to help. This topic was absolutely not bashing Discover I use my Discover card more than my other 3 (Citi Platinum, Chase Freedom & Cap one newcomer rewards) because of the 0% and rotating 5% categories. I wish I could infuse the rewards of the freedom card with the customer service from Discover and then I would have the perfect card IMO
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500


FutureBillionaire
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Postby FutureBillionaire » Mon Apr 16, 2012 11:06 am

I'm a big fan of Discover. I use the shop discover to get alot of cash back and I use the 5% categories when they fit. I don't mind the tier because I have other cards that I rotate in my wallet to keep my balances low and help me get the most rewards based on my spending.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Iroquois
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Head to head checklist / On topic/ More than 2 things to dislike abt Discover

Postby Iroquois » Tue Apr 17, 2012 8:30 am

I have a Discover and periodically use it. Its a great card for the back of wallet. I found their customer service to be incredibly inflexible and non helpful on an operations problem that they themselves screwed up and took forever to eventually fix. Things like that leave a lasting impression, define a brand and raise red flags about reliability.

So to be just straight forward and realizing that people can and do have different experiences lets see how Discover stacks up based on my sense of the varying opinions I've read, facts I've seen, or views I hold.

  • Annual fee ....competitive
  • APR.......Discover usually higher
  • Intro rate competitive......competitive
  • Credit line.......Discover usually lower
  • Merchant acceptance........ Discover lags
  • Rewards....Cash back not as good as other cash back programs
  • Advertising....More hype than substance/frequently misses key reasons to get or use a card
  • Customer Service..They smile and are friendly/are US based/no better than others in delivery and sometimes worse
  • Better Business Bureau Complaints....worse than competitors
  • Corporate strength....not as strong as other card issuers i.e. more subject to changing how it deals with customers based on economic conditions
Happy to debate the issue. Bottom line is that any organization succeeds or fails on its merits and its performance. Discover is #4 behind American Express, Visa and Mastercard IMO when the full picture is looked at as a whole

bmw1990Z
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Postby bmw1990Z » Tue Apr 17, 2012 10:01 pm

Well said, I think you summed up Discover...except for those die hard fans.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

andy1088
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Postby andy1088 » Wed Apr 18, 2012 10:01 am

Personally Discover works for me. They gave me a $1,000 credit line when no one else will give above $500. They offered me my first good rewards card (there are better out there, yes) and they have done nothing but help me when I call in. Unlike Chase who wouldn't assist me with the 0% intro APR Discover went out of their way and got it fixed with only one call and gave me 12 months. Chase wouldn't help me. They gave me a higher APR than Discover (22.9% as opposed to Discover 20.99), gave me half the credit line ($500 vs $1,000) and has been thus far useless with their "customer service". I should also mention I was new to Discover never using their products while with Chase I have been banking with them since '08.
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

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Blue Moon
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Postby Blue Moon » Sat Apr 21, 2012 9:43 pm

I don't know about other places, but in my neck of the woods, Discover is accepted in more places than AMEX. Merchants don't like paying the higher AMEX transaction fees. In many places, I see the MC, Visa, and Discover logos, without the AMEX. Don't get me wrong - many places here accept AMEX. It's just more places accept Discover than AMEX.

By the way, I've only had excellent customer service with Discover. I don't like the tier either, but I consider Discover one of my best cards.

DGenerateKane
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Postby DGenerateKane » Sat Apr 21, 2012 10:28 pm

Once I found out about the $3000 requirement I stopped using my card except for 5% categories, which there are only a few that I shop in. I use my Fidelity Amex (2% everywhere) and my Chase Freedom when it has 5% categories I shop in before I use my Discover.

jeffysdad
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Postby jeffysdad » Sun Apr 22, 2012 7:47 am

That's exactly what I do, DGK, but I add the Amazon.com card for purchases from same.

This quarter it's Freedom for Groceries and Discover for restaurants, of course. One of the side benefits of dividing purchases this way is it gives a clearer view of what I'm spending in those two categories. As it turns out, I spend less on restaurants than I thought and perhaps a little more on groceries. I had been feeling a little guilty about eating out so much but not anymore.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

andy1088
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Postby andy1088 » Sun Apr 22, 2012 9:04 am

Question for you guys, do the 5% rotating category purchases count towards the yearly $3,000? Also just another feather in Discover's cap they randomly (only had card 5 months) increased my credit line to $1,500 from $1,000. It was a pleasant surprise seeing that and they didn't even contact me about it so it was great going in my account and seeing it. :)
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

CC Deville
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Postby CC Deville » Sun Apr 22, 2012 9:40 am

andy1088 wrote:Question for you guys, do the 5% rotating category purchases count towards the yearly $3,000? Also just another feather in Discover's cap they randomly (only had card 5 months) increased my credit line to $1,500 from $1,000. It was a pleasant surprise seeing that and they didn't even contact me about it so it was great going in my account and seeing it. :)


All purchases count towards the $3,000 yearly spend requirement to get to the 1% tier. I am really hoping that they will come to their senses and get rid of that requirement. To better compete with Freedom, Dividend, BCE/BCP and BankAmericard Cash Rewards they really need to start at 1%.

Congrats on the CLI. Back in 2002-2003 they gave me a $1,000 increase every 6 months (8/02, 2/03 & 8/03). I have found that Discover likes to see usage and their auto CLI's are usually more generous than if you request them. They gave me $1,800 CLI back in July 2005 and they have not increased it since. Of course, that is about the time I stopped using my Discover.



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