I my Discover card. I've had this card for about 7 month's, I'm rebuilding my credit which is now in the fair range, and yet they gave me a chance. When there was some confusion about my 0% APR I was able to speak with a real person, which goes a long way, and best of all, they give you all the cashback you were promised quarterly when you signed up, as well as the regular monthly cashback. So maybe I haven't been with them long enough to be as screwed over as some of these comments suggest, but from my standpoint they have done nothing but 5 star business with me.
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Most Helpful Negative Review
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.
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Data Created: February 02, 2015
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