Credit Card Forum
  1. #1
    Iroquois
    Iroquois is offline
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    Default Free credit health check from Discover?

    I was with family for dinner and knowing that I had found Discover customer service and competitiveness lacking in the past, was asked if I had seen the "Free Credit Health Checkup" button on the initial internet screen after you sign in, and what I thought.

    It was news to me. Turns out that 3 of the 4 people who have a Discover ( not everyone of the 8 did) don't get this service from Discover but 1 did ( we checked a few accounts online. The one who did is the oldest and has the longest relationship with Discover.)

    The discussion then turned to the unevenness which Discover seems to handle matters of customer service, issue resolution, responsiveness, and credit line management. Word of mouth was not in Discover's favor based on substance. What was funny was discussion of Peggy commercials and how unattached the commercials were from why people really get or use a credit card to actually buy things ( perceptions (right or wrong) about credit line, annual fee , APR, stability/strength, acceptance, rewards; as opposed to someone else's customer service).

    Our gathering seemed biased towards using Visa / Mastercard this past holiday season. Chase and Citi were getting pretty good word of mouth comments.

    My Discover is still "back of wallet", with some but infrequent usage.
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    Reply With Quote Reply With Quote     Jan 5, 12, 3:05 am
  2. #2
    jeffysdad
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    Default

    I just checked and I have this. My "credit health" is "good," btw. Thanks for asking. I've had the Discover account for a while, but I've been an extremely light user. This looks to me like an enhancement to their website that they will probably roll out to all customers eventually.

    To their credit, it doesn't appear that they're using this to try to sell unnecessary credit monitoring services but instead are directing visitors to the govt.-related website through which one can order the legally mandated free credit report from the credit reporting agencies. That's a lot classier than trying to trick people into paying for something they can get for free.

    Overall, not a particularly useful feature (lacks detail), but a nice addition to a website that already was quite friendly to those looking for tools with which to manage their debt, spending, credit, etc.
    CARDS (and why)
    FIA Card Services: Fidelity Amex (best cash back excepting 5% cards), Fidelity Visa (spare)
    Chase: Freedom (only for 5% reward categories, purchases under $10), Sapphire (not in use), Amazon Rewards (for Amazon purchases only)
    CapitalOne: No Hassle Rewards (no foreign transaction fee, my only MasterCard, not in use)
    Amex: Blue Cash Everyday (not in use)
    Discover: More (only for 5% reward categories)
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    Reply With Quote Reply With Quote     Jan 5, 12, 5:46 am
  3. #3
    DavidNY
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    Default

    I didn't see it so searched for "health"

    Credit Health Check
    Your credit health rating is not available at this time.

    Please check back when your next statement is available for your Credit Health Check rating.

    Get a clear picture of your spending with Spend Analyzer
    I'll check back (maybe)
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    Reply With Quote Reply With Quote     Jan 5, 12, 1:15 pm
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