please sum up all discover dislike in this thread

[B335is]

Oh I can go on; Alaskan Airlines, Virgin American, Quantas....

[Anonymous]

Americano Expresso.

[kdm31091]

I must have missed something. What was the purpose of 11 dollar balance transfers? Also why would you redeem low amounts to screw capital one?

Sorry but no wonder the lenders don't like you if that's how you are gonna treat them. They're extending you money. no need to unnessecarily screw them over. Don't bite the hand that feeds you and then act like it was their fault.

[Anonymous]

But it is their fault for not delivering $1,000,000 in un marked bills to the GPS coordinates of my choice.

[BarryNTexas]

Going forward, everyone please use proper reference to this card and it's brand/trademark, Discover it®

[Anonymous]

I think the more annoying one is people who say "Discover" channel.

[weehoo]

I was sad to see ShopDiscover disappear and replaced by Discover deals which has an annoying to use interface

[Anonymous]

---

@Anonymous wrote:

This thread may well be the ultimate YMMV. Love discover, hate discover this thread just goes to prove that not every card is for everyone. Not every lender loves all types of scores and patterns evenly. We all know the myfico posters are not exactly the epitome of a random sampling of credit consumers. We do things that break norms, that don't neccessarily fit into standard consumer behavior. Whether it is firing 5 payments a month at a lender to keep util down or having 2x annual income in credit limits or having 70 credit cards the behaviors here vary widly from standard deviations. Just because scores say you may be a terrificly low risk consumer, just by being abnormal and understanding the scoring may put you on someone's radar as someone to monitor closely.

I process lots of CC payments from regular customers and the vast majority could clearly improve their arsenal of cards. A good number of them are relatively wealthy but probably have less real credit knowledge than people who diligently read these boards and understand the concepts. They pay with cards that make no sense. Why anybody pays a 30 dollar bar tab with a slate card I will never understand. Once maybe, but day after day, month after month? But the average consumer gets in to a habit, and from what you see here, discover may well want that guy, with that habit.

As a business model, it makes sense. Why give a guy with 15 cards and 150k in available credit 10k? Chances are only 1 in 15 hes gonna use your card on any transaction. And those transactions are probably not going to be terribly profitable for discover. And that is what they are in biz for.

This is certainly not an apology for discover. I am a fan, but just from a logic standpoint I can't blame what they do. I understand that some people here by all rights should get more love from them. But as with any unrequitted love, all you can do is find something better.

---

Just hate sobbering reality

[juggalo9er]

Keeping in mind I work third I did use discover until the cash back never credited correctly. .. the 11 by became a joke just like the card

[chalupaman]

---

@B335is wrote:
Besides the $15 ShopDiscover still owes me, there's nothing I particularly hate about the card.

I do hate how people refer to it as the IT card when nowhere on the website indicates it should be capitalized. Discovery is another pet-peeve, as is the wrong use of their/they're/there. I'll leave my thoughts their...

---

The "Discovery" thing may be intentional on the parts of some people, but it's pretty annoyng and silly to me.