I have been rebuilding my credit for some time. I have two cards with low limits, Credit One Bank and Merrick bank. Discover was sending me offers weekly for the cash back card. I finally decided to pull the trigger and was instantly approved for $5500.00. My scores are 644 TU, 656 EQ, 670 EX.
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Please, I beg you to choose one of the other many credit card companies available to do business with. This is honestly what happened to me. Well, I was a card member since 2004, and I never had a late or missed payment. However, I decided to close this joint account with my husband since we were going through a divorce. The payment was made in full at the end of July, this year, to pay the card off completely, and on August 2nd, this year, I even called Discover to be sure that there wouldn't be any other fees or interest added to the account as well as to confirm that the account was closed, which had also been previously requested prior to the payoff to ensure that no other charges would be posted to the account. Discover ensured me over the phone that the account balance was at zero, there were no other charges coming through, and there were no additional fees or interest that would post to the account. The representative even said that everything had been taken care of for this account, and there was NOTHING ELSE we needed to do. Well, I just got an email alert from my credit monitoring that my credit score had decreased. I checked it to find that my credit score had dropped almost 100 POINTS! Yes, 100 POINTS due to a late payment from Discover. I immediately called Discover to find out from them that INTERESTINGLY enough on just the day after I spoke with them on August 2nd, August 3rd, this year, there was an interest fee added to the account for approximately $21, which I had no idea about since Discover never sent me a bill for this interest via regular mail, email, nor text. Well, this approximately $21 in interest that was added to this closed account damaged my credit, and there was NOTHING Discover was willing to do about it. To continue their fraudulent, sneaky, and underhanded scheme, the very phone call from August 2nd that would've proved that their representative told me that there would be no additional interest or fees added to the account, according to them, wasn't able to be pulled, because AFTER 60 DAYS, THE SAME AMOUNT OF TIME IT TAKES TO REPORT THE LATE PAYMENT TO THE CREDIT BUREAU, ALL PHONE CALLS AND CONVERSATIONS CUSTOMERS HAVE WITH THEM ARE DELETED! CALL THEM TO VERIFY THIS FOR YOURSELF! WHAT DOES DISCOVER HAVE TO GAIN? GETTING RICH OFF OF THE ADDITIONAL FEES BEING ADDED TO THE INITIAL FEE THAT THEY DIDN'T WANT TO TELL YOU ABOUT IN THE FIRST PLACE. I HOPE YOU'RE FOLLOWING ME. IF NOT, TRUST ME ON THIS, GO WITH ANOTHER COMPANY.
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