Iroquois wrote:I had requested a lower APR from all of my cards, even the Mastercard that is down to 5.9%, something I do with some regularity but hadn't done before with Discover since its my back of the wallet card. This round I decided to include Discover in the request. Everyone but Discover was able to handle the request on the phone (couldn't get the MC lower than 5.9% but thats a pretty attractive rate). Discover said that they would need to mail me a form, which they did and have me sign it to request a lower rate. After a few weeks, yes they too lowered the APR, although its still high by competitive standards with the other cards in my wallet.
So, good for Discover and thank you for the lowered rate, but why must they make things like this difficult ? The CSR I spoke with said it is to comply with the CARD Act. Nice try at an explanation, but "no cigar". Yes I got the lower APR but the hassle and time delay makes them stand out, and not in a good way either.
Huge differences between what they say or imply in their marketing about being customer friendly versus what their real actions are.
Well I'm not sure why that is a huge difficulty to be honest. You're requesting a lower APR, and they granted it to you, and you're complaining because you had to buy a stamp and it took 3 weeks?
Not meaning to be a jerk but that would be like me asking for a raise and I have to go through a review and wait a month for it to be effective and I'm complaining about the huge hassle. My boss would say ok if it's a huge hassle we can just skip it.
I've found their customer service to be the best there is overall. Not to say they are perfect, no one is, but compared to every other company I've dealt with they are the best. I can't comment about Citi as they want nothing to do with me (so I'll never be able to comment intelligently on what they are like). But I think you are selling Discover short.