ResponsibleUser

1 Contributions 11 People Helped

Member Since: May 2014

Most Helpful Contribution

Discover it®

Feb 04, 2019
Shady terms!
Helpful to 11 out of 14 people

I received this card in May of 2018 with an 18 months 0% interest promo.  My credit line was $10,000.  About 4 months after receiving it, I was informed that they reduced my credit line to $9300.  This affected my balance:limit ratio and the moment they decreased my line, it increased the ratio lowering my credit score.  Okay, irritated as can be but I'll get over it.  Not a big deal.  Score will go back up the more I make my payments.  Fast forward 3 months.  I get a 2nd job and can now make significant payments on my card.  I make a $350 payment on what I'm thinking is a 0% interest card and login to find my balance the same as it was prior to the payments.  Why, you may ask?  Because they revoked my 0% interest for absolutely no reason.  I have auto pay so my payments come out on time every month.  I rarely use the card anymore.  There's absolutely NO reason for them to do this.  Now, I got a 2nd job to quickly pay off a card that will take me twice as long since they were shady with their promo interest rate.  The ONLY card I have ever been screwed over by.  It went from being my favorite to hurting me more than any of my other cards.  

Activity (1 Total Contributions)

Discover it®

Feb 04, 2019
Shady terms!
Helpful to 11 out of 14 people

I received this card in May of 2018 with an 18 months 0% interest promo.  My credit line was $10,000.  About 4 months after receiving it, I was informed that they reduced my credit line to $9300.  This affected my balance:limit ratio and the moment they decreased my line, it increased the ratio lowering my credit score.  Okay, irritated as can be but I'll get over it.  Not a big deal.  Score will go back up the more I make my payments.  Fast forward 3 months.  I get a 2nd job and can now make significant payments on my card.  I make a $350 payment on what I'm thinking is a 0% interest card and login to find my balance the same as it was prior to the payments.  Why, you may ask?  Because they revoked my 0% interest for absolutely no reason.  I have auto pay so my payments come out on time every month.  I rarely use the card anymore.  There's absolutely NO reason for them to do this.  Now, I got a 2nd job to quickly pay off a card that will take me twice as long since they were shady with their promo interest rate.  The ONLY card I have ever been screwed over by.  It went from being my favorite to hurting me more than any of my other cards.