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Love Discover.
+1 for ShopDiscover.
5% categories/ShopDiscover, excellent customer service (chat is awesome), and easy navigation on website. In this era, customer service is at the top of my list and Discover delivers.
1. Great CS (though I haven't had "bad" CS experiences)
2. Auto CLIs (only lender other than WF who's done that for me - and much more frequent than WF)
3. ShopDiscover (even though it only works half the time)
4. Great website and smartphone apps
5. 5% bonus for online shopping during the holiday season
6. Free FICO score
Almost forgot, discover has my alma matter Nebraska for a card design. +10000 just for that.
I don't. They're okay. 5% categories are hit or miss - the online shopping one is incredible though. Their ShopDiscover gave me all of 6 bucks extra cash back when I booked $1400+ in hotels through it for a supposed extra 5%, so done with that experience. Plus they haven't given me an auto CLI in 4 years.
One part where they were surprisingly useful - went to Italy last year. Managed to pay for 1/3 of my trip (bookings + restaurants + tickets, etc) using Diner's Club. No joke. I didn't have a 0% FTF Visa/MC then, still don't, so I always tried to use the Discover first and see if it went through.
@clocktick wrote:Why do you like Discover?
I agree they have nice CSRs but I haven't had the best experience with them. Also, when I travel abroad, 99% of the places I try to use it do not accept it.
I'm thinking of closing them when I'm done paying off their BT offer.
Mine is in the SD due to no CLI without a HP.
@enharu wrote:
Shopdiscover feature.
That feature alone makes the card worthwhile. They do provide 5-10% more cashback for certain merchants compared to other cashback / bonus miles portals.
Shopdiscover, plus 5% all online shopping 4Q 2013.
I used to like it for restaurants as well, but I have multiple US Bank Cash+ cards, so that category is always covered now.
Excellent customer service!