Discover it® Reviews

Discover it® Reviews
2.3 out of 5 stars
43 Reviews

From Cardholders in the last year


Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

2.5 5

Most Helpful Positive Review

Oct 02, 2019
Great card so far
Katz70 Cardholder

I believe when I applied for this card my scores were around 690 to 710. They gave me a 10k limit and I use this card for everything, always making sure I pay the balance in full at the end of the month. I have read a lot of different comments about how they will lower your limit or even close your account, won’t lie I’m a little worried about that because the last thing I need is a black mark from them closing account. Only time will tell so I will keep on using it and paying it off ever month, hoping this does not happen to me. Reading these comments can sure scare a person but please keep in mind, there is ALWAYS 2 sides to a story 😉. Would I recommend it?! I can’t really say right now but will post later down the line.

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Most Helpful Negative Review

Nov 30, 2019
MG2314 Cardholder

6 people in my household including myself have Discover, it is a great card but slowly started to send DocuSign's from Experian to all members to give out irs info. After the review they closed three accounts from my household. Not mine. They stated that they couldn't verify their identity!! Al of us have great credit and never had missed payments nor maxed out cards. Have no idea why they decided to do this. Worst experience I've ever had from all my credit cards. 

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These reviews were written by current and former cardholders in the last year.

Jan 22, 2020
Great Experience
SJ92 Cardholder

I love my Discover It card. The revolving 5% cash back is great, though there is one quarter that doesn't benefit me at all (Uber/travel), but I still get 1% cash back on all purchases, which is better than some! I've never had an issue in the almost 12 months I've had it. Honestly, after reading about other credit cards, I really don't ever want a different one! I was approved for a decent line of credit when my score was just inside the "good" zone, and applying was a breeze.

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Jan 08, 2020
PhantomdArgent Cardholder

Discover Card canceled my credit card with no explanation when I had no negative comments in my credit file, no overcharges, no late payments and a good rating. Not they're advertising to me to get their card? Why? You're just going to cancel it again and then advertise to me again. I can't handle this level of stupidity in my life.

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Jan 07, 2020
Hutch378 Cardholder

I had a credit limit of 3000. I paid off a pretty high balance in one payment. They lowered my CL to $700 immediately after

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Dec 13, 2019
Horrible Company!!!
kjebaker3 Cardholder

Horrible Company!! They closed my account on Dec 13th, right before Christmas. They stated that they need to make money and after 3 years of using the card, making on time payments and having a credit score of 705, they closed it because I paid it down and had not use it for 6 months. So unless you plan on constantly using this card and having a balance so they can make money from the interest, do not get this card! This will certainly cause my credit score to go way down and probably cause a ripple effect for the other credit cards I have. Thanks Discover for making my holidays so wonderful!

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Dec 08, 2019
They Lowered My Available Credit
1175candsmi Cardholder

I have had my Discover Card for around two and a half years now. I have never been late and always pay more than the minimum payment. I started out with a $1000 credit limit and after about 6 months they lowered my credit limit to $900 when my balance was around $875. This was heartbreaking as I was trying to keep my credit score up and that didn't help. After that, I paid off the card and started using it again and just recently, on Thanksgiving Day when my balance was around $625 they reduced it again to $700. I can only believe that they were hoping I would go out shopping on Black Friday and they could hit me with additional fees. I locked and shredded the card and I can say after I pay it off this time I will not get another Discover Card.

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1 Reply
Dec 13, 2019

If you do this with your other cards then you can expect the same behavior. Didnt anyone ever tell you? You don’t max out your limit especially if the balance is reported. People like that default all the time. You’re spending way too much. Other companies will do you the same way. STOP making out your cards and getting mad at them. You are a 🚩 flag to any lender when you do that. If you use that much credit then obviously you can’t afford it. Stop using so much credit.

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Sample Size: 45,178
Data Created: February 02, 2015

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