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Frequent Contributor
ficonightmare
Posts: 379
Registered: ‎10-25-2010

Re: What's so great about DISCOVER?

Thanks for the responses.

 

I started this thread because I'm looking to close my GEMB/PayPal MC and want another card to replace it. My reports are all clean, scores good so I was debating maybe getting a Discover.

 

The one thing that turns me off is that it's not a VISA/MC. I do fly overseas regularly and prefer having something that's accepted everywhere with no foreign transaction fees, but also a cashback card. That's it. I don't need the rotating categories, and I don't need a miles card. But maybe I'm asking for too  much?

 

CHASE, CITI and AMEX are out. Have them or I'm an AU on my husbands. I was looking at CAP 1 but couldn't find any cashback cards.

 

Any ideas?


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Frequent Contributor
BobbyJ
Posts: 296
Registered: ‎02-03-2008

Re: What's so great about DISCOVER?

Not sure if this was discussed at great issue but maybe the Capital One No Hassle Cash Rewards Credit Card:

 

Reward Details:

  • 2% cash back on gas and groceries.
  • 1% cash back on all other purchases.
  • No limit on the cash you can earn and cash won't expire.
  • Get your cash rewards as an account credit, check or gift card.
  • Redeem cash rewards any time for any amount, even set up automatic redemption.
  • 0% intro APR on purchases until November 2011.
  • Pick an image for your card -- choose the one shown here, any of the hundreds in our collection, or add your own.
  • $0 Fraud Liability if your card is lost or stolen.
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance.
  • 24-hour roadside assistance.
  • Extended warranty program.
  • Auto rental insurance -- use your card to rent a car and you're covered for collision, damage and loss.
  • No foreign transaction fees.
  •  

    Hope this helps,

    BJ

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    Frequent Contributor
    ficonightmare
    Posts: 379
    Registered: ‎10-25-2010

    Re: What's so great about DISCOVER?

    ooh.. thank you Bobby!  I somehow missed this. Kept seeing their miles card.

     

     


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    Regular Contributor
    Smerri1029
    Posts: 190
    Registered: ‎10-22-2010

    Re: What's so great about DISCOVER?

    It's funny. I must be one of the few that has been totally turned off from Discoer strictly because of their CSR. To be honest I can't even remember the issue I just know a few times I called in it almost seems I was bothering them looking for help. I was so disgusted and turned off I totally stopped using the card (wht the exception of a minor purchase every so often to keep it reporting). It is my oldest CC and 3,000 towards my overall credit so I wasn't going to close it. Also, it seems Discover were the only ones who were always pushing additional products on me.

     

    As far as I am concerned, the reps on my PR Gold Card from AmEx are top notch and anytime I call in a pleasure to do business with, friendly, knowledgeable, helpful, etc...

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    Valued Contributor
    thrasher865
    Posts: 1,163
    Registered: ‎05-21-2008

    Re: What's so great about DISCOVER?

     


    ficonightmare wrote:

    thrasher- I don't know how good their CS is as I don't have their card, but I believe you guys when you say it's great.

    I will say this though, I have a tough time believing they're better than my Chase Sapphire CS reps.

     

     


     

    Well then, let me say this:  There is a difference between never having a complaint about the CS, and actually going out of your way to say to yourself, "Wow, that is some good customer service" every time you hang up the phone with a CCC.  Discover's CS is to the point that it actually stands out.  There are lots of companies that have adequate customer service, Discover is way better than those companies.

     

    I will agree with the poster that said Discover is better than AMEX in the CS department, I'm just afraid to say that because I know there are a lot of people that stick up for AMEX's customer service, and I've only ever called into AMEX 2 or 3 times.


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    Valued Contributor
    thrasher865
    Posts: 1,163
    Registered: ‎05-21-2008

    Re: What's so great about DISCOVER?

    [ Edited ]

     


    Smerri1029 wrote:

    It's funny. I must be one of the few that has been totally turned off from Discoer strictly because of their CSR. To be honest I can't even remember the issue I just know a few times I called in it almost seems I was bothering them looking for help. I was so disgusted and turned off I totally stopped using the card (wht the exception of a minor purchase every so often to keep it reporting). It is my oldest CC and 3,000 towards my overall credit so I wasn't going to close it. Also, it seems Discover were the only ones who were always pushing additional products on me.

     

    As far as I am concerned, the reps on my PR Gold Card from AmEx are top notch and anytime I call in a pleasure to do business with, friendly, knowledgeable, helpful, etc...


     

    Well, I guess individual experiences may vary.  I have never been pushed for any additional services from Discover.  

     

    AMEX does push identity protection or insurance on me the couple times I've called them, but a simple no thanks you is usually sufficient for them to move on.  However, I'm afraid to call Chase anymore, because I get directed to what I can only assume is an outsourced call center, because the CSRs don't sound too knowledgable, and I frequently have to hang up on them, because once I tell someone no for a product push the second time, I refuse to stay on the line.

     

    I am pleased with AMEX CS, but in my mind Discover is tops.

     

    Chase doesn't come close (in my experience).  I don't have a Saphire, I have a Freedom, if that makes any difference.

     

    In addition to CS, Discover basically throws CLIs at me.  I use them as my main card, and perhaps AMEX would offer me a CLI if I used my Blue Cash as much as I do my Disc More.  I used to use Chase as my main card, until the rewards changed.  Chase did give me an unrequested CLI after a year of nonstop use, I never felt mistreated by Chase, I just don't like their CS over the phone.  Now, my loyalty to Discover is just based on the overall way I have been treated as a customer, (friendly CSRs and frequent, unsolicited CLIs)


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