topic Re: Discover card.. in Community Chat

Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 21:48:03 GMT

Does anyone have one and if so how is the company?

I have NEVER had a major credit card because I didn't want debt but thought I should get ONE in case of emergency...

I do have a care credit for my babies and would like to transfer..If they accept me and the transfer will I have to pay Oct. or will discover pay right away?

THANKS in advance for any info/advice...

Re: Discover card..

sunshine45 — Fri, 26 Sep 2014 21:52:37 GMT

hi JMM, hope you are doing well!

i JUST got one about 3 months ago and so far so good. there are some retailers though that DONT take discover.....it isnt as popular as a mc/visa/amex.

i dont know the other answers to your questions because i did not transfer any debt when i opened the account. not even sure what a "care credit" is.

Re: Discover card..

gidgetgh — Fri, 26 Sep 2014 21:57:00 GMT

We've had a Discover card for several years. It's our primary credit card. They pay good points. They also have a quarterly program where they pay 5% back on certain categories. This quarter it's been gas. Next quarter is online purchases. You can also save 5% and up by going through your online Discover account and shop certain retailers- QVC and many, many others. We had a problem last year with someone skimming our number from a gas pump and it resulted in two unauthorized purchases. I called them and they cancelled our Card and issued a new one immediately. Of course, we weren't responsible for the charges.

Re: Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 21:57:07 GMT

On 9/26/2014 sunshine45 said:
hi JMM, hope you are doing well!

i JUST got one about 3 months ago and so far so good. there are some retailers though that DONT take discover.....it isnt as popular as a mc/visa/amex.

i dont know the other answers to your questions because i did not transfer any debt when i opened the account. not even sure what a "care credit" is.

Thank you, Sunshine...

they have GREAT reviews...

Re: Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 21:58:35 GMT

On 9/26/2014 gidgetgoeshawaiian said: We've had a Discover card for several years. It's our primary credit card. They pay good points. They also have a quarterly program where they pay 5% back on certain categories. This quarter it's been gas. Next quarter is online purchases. You can also save 5% and up by going through your online Discover account and shop certain retailers- QVC and many, many others. We had a problem last year with someone skimming our number from a gas pump and it resulted in two unauthorized purchases. I called them and they cancelled our Card and issued a new one immediately. Of course, we weren't responsible for the charges.

That is AWESOME!

I was JUST reading a bunch of reviews..

I may go ahead and apply... I keep getting the notices in the mail and TODAY something told me that maybe I should get one...

Thank you, Gidget!!

Re: Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 22:03:21 GMT

..It should say I didn't want that TYPE of debt..

and a card seems like it would be too easy to pull out if I didn't have cash on me...

I still have my mortgages...

Re: Discover card..

dooBdoo — Fri, 26 Sep 2014 22:10:06 GMT

On 9/26/2014 gidgetgoeshawaiian said: We've had a Discover card for several years. It's our primary credit card. They pay good points. They also have a quarterly program where they pay 5% back on certain categories. This quarter it's been gas. Next quarter is online purchases. You can also save 5% and up by going through your online Discover account and shop certain retailers- QVC and many, many others. We had a problem last year with someone skimming our number from a gas pump and it resulted in two unauthorized purchases. I called them and they cancelled our Card and issued a new one immediately. Of course, we weren't responsible for the charges.

Hi, Melissa!

I agree with gidget's post. I've used Discover as my primary credit card for a very long time, and I prefer it leaps and bounds over the Visa I have as a backup. (Yes, there are still a few retailers and utilities who don't accept Discover, but the list has been growing shorter and shorter.) I love their cashback programs, their customer service is absolutely top notch and they have an excellent system which monitors accounts for unusual charges. You can check the JD Power yearly ratings and see that they've continued to be at the top of the list.

I'm not sure about the transfer, but a call to DiscoverCard will probably provide that answer.

Re: Discover card..

VioletEyes — Fri, 26 Sep 2014 22:14:11 GMT

If you do a lot of international traveling, the Discover Card is not accepted everywhere.

Re: Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 22:28:26 GMT

dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

Re: Discover card..

VioletEyes — Fri, 26 Sep 2014 22:28:58 GMT

On 9/26/2014 JustMeMelissa said:
dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

Good luck!

Re: Discover card..

PIT-HAG Melissa — Fri, 26 Sep 2014 22:30:29 GMT

On 9/26/2014 SoftRaindrops said:
On 9/26/2014 JustMeMelissa said:
dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

Good luck!

..Forgot to say they sent automatic response... Card will be here in 5 -7 days..THANK YOU SO MUCH for the input... Between the responses and reviews I HAD to apply...

Re: Discover card..

dooBdoo — Fri, 26 Sep 2014 22:33:13 GMT

On 9/26/2014 JustMeMelissa said:
dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

You're welcome! Be sure to use their ShopDiscover program to earn more cashback rewards with online purchases, by the way.

Hope it works out well for you.

Re: Discover card..

VioletEyes — Fri, 26 Sep 2014 22:34:48 GMT

On 9/26/2014 JustMeMelissa said:
On 9/26/2014 SoftRaindrops said:
On 9/26/2014 JustMeMelissa said:
dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

Good luck!

..Forgot to say they sent automatic response... Card will be here in 5 -7 days..THANK YOU SO MUCH for the input... Between the responses and reviews I HAD to apply...

Have fun shopping!

Re: Discover card..

scotttie — Fri, 26 Sep 2014 22:40:48 GMT

On 9/26/2014 dooBdoo said:
On 9/26/2014 JustMeMelissa said:
dooBdoo and SoftRaindrops...THANK YOU!

I applied... WOO HOO!

You're welcome! Be sure to use their ShopDiscover program to earn more cashback rewards with online purchases, by the way.

Hope it works out well for you.

Yup ITA. That is a good rewards program. I have a Discover card and have had it for many years. Very happy with them. I pay it off every month so I don't know about the interest charges etc. But they have good customer service.

Re: Discover card..

Krimpette — Fri, 26 Sep 2014 22:45:05 GMT

Hope I'm not repeating anyone, but I love that they now also provide your credit score on your monthly bill. Nice touch! I, too, have found their customer service people to be top notch even though I've only had to contact them once or twice with a question.

Re: Discover card..

dooBdoo — Fri, 26 Sep 2014 23:14:45 GMT

Scottie, I always pay the full balance each month, too, so I don't keep up with interest or other charges in that respect.

Krimpette, That's right! I forgot about their new feature with the current FICO score. That's a good thing, too.

Re: Discover card..

Qwackertoo — Fri, 26 Sep 2014 23:29:23 GMT

I just got a new Discover Card a few months ago . . . actually it was re-activating and OLD Discover account I'd forgotten about . . . that 10% and even sometimes lesser of 5% is hard to beat. I've already earned about 300.00 in rebates . . . had some purchases to make more so than usual in a re-decorating project. That beats the 2% on my AmEX and 1% on my Chase Visa . . . & mrrebates & ebates too.

But we always, always pay in full each month.

IF you do a balance transfer on your Care Credit . . . you will pay a fee . . . probably 3% so IF you're on a 0% on that balance . . . might not want to transfer it. I'll sometimes use Care Credit for a crown at the dentist of something just to lighten the "hit in one month" and spread it out a little . . . just because it is 0% and doesn't cost me anything.

Re: Discover card..

Mom2Dogs — Sat, 27 Sep 2014 00:01:53 GMT

I have had a discover cor many years and I am happy with the company. I can speak with a 'real' person that I can understand when ever I have a question, they are very helpful if you need to dispute a claim, which I have done twice since having the card. I also get reward dollars that I let accumulate and then transfer to my checking account. I have no issue with the company. I also pay the bill off every month.

Re: Discover card..

Colonel Meow — Sat, 27 Sep 2014 00:49:42 GMT

I, too, use Discover as my primary CC. Their points system and customer service simply can't be beat! I have never experienced sub-par service from Discover, and I've had the card for a decade or more.

Re: Discover card..

Charming1 — Sat, 27 Sep 2014 00:54:39 GMT

I have a number of cards, however, primarily use my amazon chase visa for the last 7 yrs. or so. Always pay the balance off in full and collect points which allows me to get cash back or put the points towards an amazon purchase.

I did have discover and since I wasn't using it they closed my acct. and now I get mail from them that the miss me and want me back...crazy! lol When I did use them they were find but many places didn't take discover.