Discover it® Cash Back Credit Card

I have had a discover card since 2013 and I have always been satisfied with them. I have never had an issue with using them out of state, and I love their feature of checking the web for if your SSN is on unsafe websites. I feel like their cash back rewards have only gotten better and better with time. Their customer service has always been excellent, and I have felt for 6 years like I have always mattered to this company. I love the low APR I'm getting, and that they are consistent with honoring credit limit increases (within reason of course). I always recommend Discover to everyone!

Had discover for 32 years,time to leave. They will try to limit you to a local area or get you to verify charges from a different location. If you try an online purchase you can not complete the order until you respond back to them from a text or voice mail they send you. We don't have cell service where we live so we can neither receive or respond to messages they send.to a landline. The same problem happens on vacations, except all notifications are emailed to our home. . They emailed me to say I had a message in their secure message center. The message said I had an invalid email address.Seems to be valid if they sent me a message to it.

Discover was great when I originally received the card, unfortunately they've slowly but surely become worse. My biggest complaint is Discover has eliminated the vast majority of benefits that made this card appealing. I signed up for the card in December 2017 and in February of 2018 they eliminated extended warranties, rental car insurance, flight insurance and return protection. In October 2018 they eliminated price protection and the extensive list of retail affiliates that offered various discounts for using your card. I feel like I was scammed into getting this card, I signed up with the promise of multiple useful benefits only to have all but one taken away from me in the first year. THATS AN ASTOUNDING 86% OF THE BENEFITS ELIMINATED IN THE SAME YEAR!! They still offer the 5% Cashback Bonus on rotating categories but to be honest the categories are nothing special and come with hidden restrictions. The only benefit to this card now is the introductory 0% APR (if you're irresponsible and carry a large balance every month) and Dollar for Dollar Cashback match. After the introductory promotions are over the card has little to offer.On a side note the author of this article should also penalize Discover for eliminating 86% of their benefits in the same year. How about helping the consumer out by giving Discover a lower rating so they reconsider eliminating the benefits?

One of the best credit card ever. Discover it has great benefits and excellent customer service.

I used to love Discover. Every time I have a question, their staff is knowledgeable and able to get me whatever I need. But when it comes to actually being there for the customer, they are not good at all. I have auto-pay set up. I decided to instead of paying whatever was due for that statement to pay in full. Set up the payment and on the same day, they took the auto pay amount out and shortly after they pulled out the FULL amount which included the auto pay amount and some additional that was not within that month's statement. I was later charged $27 by Discover (my first fee since 2012 by the way).I called to talk about it and they said it's human error. The problem I have is if I put in a request to pay the balance in full, howcome it can't subtract what is due? Howcome it doesn't run the higher payment and see if anything else is due to charge me the second time?? There are 101 ways around this nonsense. I guess Discover lets you overpay so they can bank on the extra amount you put in until your smart enough to realize you overpaid. First fee in 6 years, never once have I not paid the total due me.The customer service rep said it was my problem and they charge me because my bank charged them.Now do I think I'm being a little emotional about this? I am. It's not the $27 that irritates me. It's that 1. They don't have proper logic built into their apps and services to determine that is going to happen and warn the user and 2. They weren't willing to reduce the charge or make any effort to hang on to a customer that's been using them for years. That is true through use of the words "it's a user error" on the phone and through their lack of action.Let's say the fee to them was $20 from my bank and they charged an additional $7 to me as an inconvenience. Even if they had made a small adjustment like that, I could somewhat understand. But back to the lack of built in logic in the service. Totally irritates me.