major banks or card companies

For just about anything you want to get off your chest about credit cards.
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irvine801
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major banks or card companies

Postby irvine801 » Fri Mar 02, 2012 12:32 am

Anyone work for any of them? Ooxs and deville know a crap ton about cards and amex In general. I for one happen to work for discover card. :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit


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PlatinumAMEX94
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Postby PlatinumAMEX94 » Fri Mar 02, 2012 4:42 am

What is your role there? What words of wisdom do you have to share with the forum? If you work there, why don't you have a Discover card?
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

irvine801
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Postby irvine801 » Fri Mar 02, 2012 10:22 am

I do have a discover! It's my revolver account lol. I'm a usage account manager. So I Ty and get ppl to use it more. I notice we highly value people that pif every month and usage as well is big. With customers who use us alot we tend to send a lot of unique cash back bonus offers that most customer are not eliglbe for. So usage and paying in full I believe are the 2 things that make you a highly valued customer!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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PlatinumAMEX94
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Location: Denver

Postby PlatinumAMEX94 » Fri Mar 02, 2012 1:49 pm

Sorry I didn't see your Discover in your signature, it was kind of late. So what I am hearing you say is that Discover makes their money more in merchant fees rather than finance charges? When customer pay in full, Discover misses out on all those charges. Hence one of the reasons American Express makes most of their money in annual fees, and charge 5% to the merchant. Although I get mailers from Discover wanting to issue me personal loans. Is this something new that they are doing to capture new revenue streams? I have wondered how many credit card employees view this forum.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

irvine801
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Location: Salt lake city, UT

Postby irvine801 » Fri Mar 02, 2012 6:00 pm

Pretty much. But like any credit card we do make money from Apr as well. So does amex I'm sure! Yeah because discover and amex have the higher merchant fees. But we only offer 2 cards with AFs. Which is a counter non rewards card and the escape card. And yes we are also moving towards banking , loans and investments as well.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

ooxs
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Postby ooxs » Sat Mar 03, 2012 6:13 am

How do i get Discover to stop calling me about not using my card? If you makes you feel better, i once applied Comerica bank, interviewed and almost got the job.

irvine801
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Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Mar 03, 2012 9:02 am

Lol that's funny. Your just filled with credit knowledge lol. Just call get a person and ask to be put on discovers non solicitations list!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

Money card
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Postby Money card » Sun Mar 04, 2012 1:09 am

So how do you like working for them how did you get the job? So which card do you like better chase Freedom or your Discover card? Which design do you have?

I think it's disgraceful that Chase wouldn't grandfather me in with my membership date on the card, I came over from a different bank I never filled out a Chase application. The rewards card had it on the card why can't the Freedom? It was an older date of 1995.

I love my Discover card. I have 2 the Black glow and the original black that was brought back a year ago.

Since you work for Discover I have a question. Back in November and December when they were advertising that Chase commercial that was played 8,000 times, when they changed our caps why did they change the categories? Why not just the caps?

In your office how many people have Freedom cards? What credit cards do your co workers use when they go to a certain store or certain restaurant that doesn't take Discover?

irvine801
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Postby irvine801 » Sun Mar 04, 2012 1:10 pm

I just applied because they have a center here and needed a job badly. But I do love my job and am glad to work there. Love both cards, the only thing about my discover card I dislike is the tier reward system (.25% up to the first 3000$) and that's way I also revolves not pay in full where as my Chase I ALWAYS pay in full. But then again my discover is my highest limit and lowest Apr I have. All the head honchos and big wigs all use there discover cards for everything. And those Chase commercials are the only reason discover raised there caps. I honestly think their should eliminate the tier system. But yeah :) and sorry to hear about the backdate issue :/
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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bisbicos
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Postby bisbicos » Sun Mar 04, 2012 4:35 pm

I also agree that I like my discover card more than my freedom except for that damn .25% cash back. That's super weak
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink



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