My boss LOATHES the Sam's Discover card! She says she was going thru a financial crisis with the IRS (nuff said!) and fell behind and Discover reps called her non-stop, usually at dinnertime and they were rude. She ended up doing credit counseling (wasting her money, to me), and finally paid them off and swears she will never have another Discover card.
She says she still has nightmares about playing her voice messages and hearing, "This is Mrs. Aguilar from Discover regarding your Sam's Club account".