- Platinum Member
- Posts: 99
- Joined: Thu Oct 28, 2010 1:17 pm
- Location: Chicago
I'll try to explain it again. First, the characterizations of being deeply wronged or hurt are not the ones I've made. I have made the assertion that Discover is simply not competitive on certain items/ APR reduction requests being one of them. Other issuers , in fact all other issuers that I know of are much better in dealing with a simple request on one of the most basic and fundamental components of a credit card. Being non competitive is seemingly a clear a choice that Discover has made with a process that is cumbersome and clearly appears intended to dissuade a consumer from asking for a reasonable APR.
As too getting the card, the general discussion and chat, if its correct, leads me to the observation that Discover's account approval standards require higher FICO scores, or application criteria thresholds of whatever they use.
Merchant acceptance : they just have fewer numbers of merchants that accept the card. That may be different in certain areas though.. None the less those are the numbers.
Just my opinion