Discover Financial ServicesReviews of discover.com

Don’t ever get part of your foot amputated or have problems at work where you have no income Discover will never work with you because all they care about is money.

I have had two credit cards through discover for over two years. Never late payment and have paid well over the minimum amount every month. Out of nowhere.They lower my credit limit by substantial amount.Offsetting my debt to income ratio and ruiny my credit score. So much for being a loyal customer, I will be paying off these credit cards.And happy to give my money to another company, one hundred percent.Thumbs down!

Capital One bought Discover and ruined it; likely on purpose. OMG the web experience is so confusing and bad. For example, the credit card username and savings username MUST be different. The login screen is the same for CC and savings and it logs into your credit card or savings depending on the username you use. There's so much more.

I uploaded documents that they said they didn't see even though they were visible to me on their website. I called FOUR TIMES about a Dispute but little changed and their help was minimal. They refused to tell me when at the very outside the dispute would be resolved. I regret opening a Discover card and will cancel it as soon as my balance is paid.

Do yourself a favor and stay away from Discover CC. They won't be there for you if and when you need them for a dispute. They almost always favor with the merchant. No matter how much everyone you have showing fraud, they still take the merchants side.

In January of this year I spoke with a Discover representative to lower my monthly payments. During this call, I was not informed that these payments would be automatically charged. I’ve had auto-payments off for about a year now, so this should’ve been made clear. I made a payment on Thursday of this week for $66.50, as that’s what the app was displaying for March’s payment amount. The app also stated that my next payment was not until April. I assumed the payment for March had been made. This morning (Saturday), Discover charged me $110 for March’s payment. I contacted customer service and explained that I have auto-payments off and I’d already made a payment. The rep then explained the auto-payment policy with discounted monthly rates. I was not properly informed of this policy and would have made a different decision if I was. This is textbook bad customer service. The cherry on top was the rep thanking me for making double payments. Seriously. Once this card is paid off, I’m going somewhere else!

I applied for a secured Discover credit card, providing $2,500.00 as collateral, which was deducted from my personal checking account. Following approval, I received a request from Discover to sign a document through Equifax related to the Social Security Administration office; however, I was apprehensive about signing it. Despite my apprehension, I signed it since they had already taken my funds and mailed the credit card to me. On Saturday, March 21, 2026, I received an email indicating that I had a message when accessing the app or website. The message instructed me to contact Discover at 1-800-DISCOVER. Upon contacting Discover, I was informed that they had closed my account, and I would need to wait two billing cycles and ten business days to receive my $2,500.00 security deposit refund. Notably, I never utilized the card. As an Army veteran, American citizen, and individual with a disability, I find Discover's actions to be egregious. I am aware that Capital One acquired Discover. I requested that they expedite the return of my security deposit, considering I never used the card, but they declined.

30 years as a loyal Discover customer, and I’m in the process of closing my Discover accounts and those of my 3 college age children. Our son's card was compromised and was used to charge $800+ at a few retailers in the area where he goes to school. He reported the charges to Discover as soon as we questioned a couple of the charges, but the retailers said a physical card was used to make the disputed charges. I suspect a card copier was used to create a fake card, unfortunately not uncommon at all. It's unlikely that the retailers verified ID or any other identifying details at the time of purchase, and Discover's investigative process does not include an attempt to verify if IDs were used at purchase either. A quick google search of recent credit card fraud activity in the city where my son goes to school shows that we're not the only ones who have faced losses due to credit cards being copied. Bottom line -- we'll work with local police but we're stuck with the fraud. We're done with Discover and I suggest you look at one of many of the other options too.