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