Discover Financial ServicesReviews of discover.com

My wife and I have held a Discovery Card for a long time, always paying on time and maintaining a 780 credit score. I applied for a personal loan they were offering—hoping to consolidate debt—and told my wife we’d likely get immediate approval; I was baffled when, for some reason, we were denied. I think they are only interested in doing business with a certain type of person, not the average individual. Therefore, I do not recommend them; you’re just wasting your time trying to do business with them. They don't publish reviews like this one—only the favorable ones get posted.

Their algorithm on how they judge whether you get a loan is completely off I apply for a loan with a credit score of about 755 to 778 a debt to income ratio of less than 26 total.I have a solid income of a pension and social security. Totaling about $6,500 a month I only owed $18,000 which my monthly mortgage payment is $1,323 on my home that is worth $290,000 and One credit card balance of about $400 on a credit card that has a credit limit of $13,000 and they told me that I had it an inability to pay on a loan amount of $10,000. They don't have loans offices evaluating your application they have Bots and algorithms that decide whether you get a loan or not. I was borrowing the money for some Home Improvement upgrades and did not want to take out a home equity line of credit because they want you to take out a certain amount and I don't want to take out $50,000 for 15 years with early repayment penalties. When I off my home completely and decide to sell I want to get 100% back the equity Their algorithms said that I could not afford to pay back $360 a month on a personal loan when my total debt is only $1,350 a month, that is a combination of my mortgage and my credit card. I don't have a car loan and I don't have any judgments or negative marks on my credit report do yourself a favorite and go somewhere with a person will evaluate your loan not a bot or an algorithm. Not only did I meet their income requirements and debt to income ratio and my credit score also met there requirement. I applied at American Heritage Credit Union and was approved in 2 days

I made a formal dispute with Discover Card for a hotel transaction on my billing statement. Priceline advertised a hotel with a hot tub. The hot tub didn’t exist. Discover would not allow the disputed transaction even though it was not as advertised. I had contacted Priceline already and I could not cancel the reservation without paying Priceline a fee. Discover doesn’t allow disputed billing transactions under the rules of the Fair Credit Billing Act.

I had a replacement card that was supposed to be shipped like over a week ago and I'm sitting here checking the mail every day and I called them today and it wasn't even shipped out now I have to wait another 4 to 10 days like this is ridiculous I think I'll probably just go ahead and close my account and go with another service

Their dispute process is ridiculous. They are not pro consumer at all. I will be looking for another card. As a replacement for their bad service. I have been a customer for over 30 years.

this credit card company is horrible they allowed a vendor to rip me off even with proof! I will never use this card ever again. disgusting. and their rate is pathetic. avoid this company.

Absolute dog shit since the Capitol One merger. Routine charges get flagged almost daily for "suspected fraud" Customer service is run by low end angry people who just want to waste the customer's time endlessly reading off legit charges. The only discover card was way better. Screw Capitol One. Time to cancel my card.

I had a Discover credit card with a zero interest for 18 months. Like I've had for many years. They sent me a pre-qualified loan application. Like I've taken several years in the past. My credit is 818. They turned me down. Because they thought I had no other resource to pay off the credit card before their 24% interest kicked in. So I pay the card off except for like $500. And all the girl can talk about is my balance from a month ago. If I just made $4,000 in payments why would I be interested in my balance from 45 days ago!. I don't know who they hire. I don't know what they hire. But when you ask somebody for today's current balance and they give you a balance from 45 days ago they have no clue what they are doing. They thought they were going to trap me in high interest. Wrong!. Stay away people they're not discovered card anymore they were bought out!.