topic Re: Buh-Bye Discover in Credit Cards

Buh-Bye Discover

Firehorse — Sat, 17 Jan 2015 06:17:09 GMT

Never used the card since October. They did the offer switcheroo on me when I applied so I didn't get the 18 month 0% APR promo.

I called tonight, even though my credit profile is great for other companies, Discover just wouldn't budge. So I shut er down. Buh-bye.

That is all.

Re: Buh-Bye Discover

CreditMagic7 — Sat, 17 Jan 2015 06:34:32 GMT

@Firehorse wrote:
Never used the card since October. They did the offer switcheroo on me when I applied so I didn't get the 18 month 0% APR promo.

I called tonight, even though my credit profile is great for other companies, Discover just wouldn't budge. So I shut er down. Buh-bye.

That is all.

Well, seems you gave them the curb stomp. Why i hang on to them here is anybodys guess. Maybe hoping against hope? Held my Discover now at 16 months with not so much as a peep from them for any CLI. Well, maybe if by meeting a demand for the proverbial routine HP. I got the same switcheroo treatment when first approved after a preapproval mailer. Thin file at the time so it was likely for them eye candy bait to reel in some easy interest but i kept PIF except for a couple of times of rolling balances for at the most 90 days as someone once suggested i do. Well it never worked and i highly doubt that they have any intentions to even lay a 50 spot toward that SL of 1400 where it sits to this day. They just narrowly escaped the cut roster this first go round by a hair but they are well positioned first in line on the next set of closures.

You're right! For some of us Discover just won't budge in comparison to what might be considered somewhat standard or expected, and i don't think at this point in time that they even have the stomach to want to compete with their competitors for a permanent place on my files with the tire tracks others lenders have long since marked their spot with.

Re: Buh-Bye Discover

mongstradamus — Sat, 17 Jan 2015 06:42:57 GMT

@CreditMagic7 wrote:
@Firehorse wrote:
Never used the card since October. They did the offer switcheroo on me when I applied so I didn't get the 18 month 0% APR promo.

I called tonight, even though my credit profile is great for other companies, Discover just wouldn't budge. So I shut er down. Buh-bye.

That is all.
Well, seems you gave them the curb stomp. Why i hang on to them here is anybodys guess. Maybe hoping against hope? Held my Discover now at 16 months with not so much as a peep from them for any CLI. Well, maybe if by meeting a demand for the proverbial routine HP. I got the same switcheroo treatment when first approved after a preapproval mailer. Thin file at the time so it was likely for them eye candy bait to reel in some easy interest but i kept PIF except for a couple of times of rolling balances for at the most 90 days as someone once suggested i do. Well it never worked and i highly doubt that they have any intentions to even lay a 50 spot toward that SL of 1400 where it sits to this day. They just narrowly escaped the cut roster this first go round by a hair but they are well positioned first in line on the next set of closures.
You're right! For some of us Discover just won't budge in comparison to what might be considered somewhat standard or expected, and i don't think at this point in time that they even have the stomach to want to compete with their competitors for a permanent place on my files with the tire tracks others lenders have long since marked their spot with.

For some reason when i readd the title I thought of the nsync song

Re: Buh-Bye Discover

Firehorse — Sat, 17 Jan 2015 06:46:36 GMT

@mongstradamus wrote:
@CreditMagic7 wrote:
@Firehorse wrote:
Never used the card since October. They did the offer switcheroo on me when I applied so I didn't get the 18 month 0% APR promo.

I called tonight, even though my credit profile is great for other companies, Discover just wouldn't budge. So I shut er down. Buh-bye.

That is all.
Well, seems you gave them the curb stomp. Why i hang on to them here is anybodys guess. Maybe hoping against hope? Held my Discover now at 16 months with not so much as a peep from them for any CLI. Well, maybe if by meeting a demand for the proverbial routine HP. I got the same switcheroo treatment when first approved after a preapproval mailer. Thin file at the time so it was likely for them eye candy bait to reel in some easy interest but i kept PIF except for a couple of times of rolling balances for at the most 90 days as someone once suggested i do. Well it never worked and i highly doubt that they have any intentions to even lay a 50 spot toward that SL of 1400 where it sits to this day. They just narrowly escaped the cut roster this first go round by a hair but they are well positioned first in line on the next set of closures.
You're right! For some of us Discover just won't budge in comparison to what might be considered somewhat standard or expected, and i don't think at this point in time that they even have the stomach to want to compete with their competitors for a permanent place on my files with the tire tracks others lenders have long since marked their spot with.
For some reason when i readd the title I thought of the nsync song

HAHA! +1

Re: Buh-Bye Discover

Anonymous — Sat, 17 Jan 2015 06:51:53 GMT

Re: Buh-Bye Discover

Firehorse — Sat, 17 Jan 2015 06:53:41 GMT

@Anonymous wrote:

It pays to Uncover?

Re: Buh-Bye Discover

Anonymous — Sat, 17 Jan 2015 06:54:18 GMT

Discover More!

Re: Buh-Bye Discover

CreditMagic7 — Sat, 17 Jan 2015 07:01:53 GMT

LMAO. Pays to UnDiscover.

Just made my night

Re: Buh-Bye Discover

B335is — Sat, 17 Jan 2015 08:06:32 GMT

Ooh an anti-Discover thread! Just checking in

I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.

Re: Buh-Bye Discover

taxi818 — Sat, 17 Jan 2015 09:48:38 GMT

@B335is wrote:
Ooh an anti-Discover thread! Just checking in

I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.

Lol. Well I only got 500 cli. Hp. But I still luv my discover.

Re: Buh-Bye Discover

Anonymous — Sat, 17 Jan 2015 09:55:55 GMT

@B335is wrote:
Ooh an anti-Discover thread! Just checking in

I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.

The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).

As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.

Re: Buh-Bye Discover

Firehorse — Sat, 17 Jan 2015 10:23:49 GMT

@Anonymous wrote:
@B335is wrote:
Ooh an anti-Discover thread! Just checking in

I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.
The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).

As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.

So you got what you expected rather than deceived with the switch and bait. Good for you.

Re: Buh-Bye Discover

Anonymous — Sat, 17 Jan 2015 10:31:36 GMT

@Firehorse wrote:
@Anonymous wrote:
@B335is wrote:
Ooh an anti-Discover thread! Just checking in

I don't blame you for shutting it down, besides the annoyance of not honoring the 0% offer, it's really just another 123 card. A lot of people take hard pulls for CLI and get $200 increase. It's hard for it to grow into anything meaningful unless you put a lot of spend or BT om it.
The fineprint on almost every CC application not so clearly indicates that promotions like 0% APR offers are conditioned on the applicant meeting unspecified criteria. Simply put, it's not uncommon for an applicant to get approved for a card but not for an advertised promotion. Unfortunately, most people fail to read the fineprint and blame the issuer for reneging on an offer they feel they are owed. Simply put, we have a case of hidden disclosures (norm in the industry) and hasty applicants who fail to read all the terms (norm for most applicants, including me).

As far as the original post, not all cards work for everyone. Hopefully you have better experiences with other lenders. I like Discover as a company due to their nice customer service and the Shop Discover portal. Their card, however, is rarely in my wallet since I have cards that cover most of the rotating 5% categories.
So you got what you expected rather than deceived with the switch and bait. Good for you.

If you are referring to me, I did get the 0% 18 month intro APR offer with my Discover IT. I never did put it to use though because a 0% APR offer has very limited use for me. I was merely pointing out to the other poster that Discover is not the only issuer to do this.

Re: Buh-Bye Discover

kdm31091 — Sat, 17 Jan 2015 10:35:03 GMT

Sorry to hear this OP but if its in the fine print its not really a bait and switch. Unfortunately we all have to slow down and read when applying

That said issuers also don't need to bury things in fine print especially pertintent things like "you may not qualify for the 0 percent"

Re: Buh-Bye Discover

chalupaman — Sat, 17 Jan 2015 14:12:22 GMT

I have a big love hate relationship with Discover. I hate their $500 HP CLIs but I can't deny that I've earned plenty of cashback from the card and have gotten better customer service than many of the other prime lenders out there.

Re: Buh-Bye Discover

B335is — Sat, 17 Jan 2015 17:15:14 GMT

While having fine print may not technically be a bait and switch, it's deceptive. US Bank also comes to mind for sending a lower tier card (people apply for Cash+ but receive a regular Platinum).

I realize Discover has a huge following on MF, but there are a few of us that aren't quite as loyal. For me they never corrected a ShopDiscover mistake they made - regardless of how much it got escalated.

Re: Buh-Bye Discover

chalupaman — Sat, 17 Jan 2015 17:17:28 GMT

@B335is wrote:
While having fine print may not technically be a bait and switch, it's deceptive. US Bank also comes to mind for sending a lower tier card (people apply for Cash+ but receive a regular Platinum).

I realize Discover has a huge following on MF, but there are a few of us that aren't quite as loyal. For me they never corrected a ShopDiscover mistake they made - regardless of how much it got escalated.

I'm one of those people that isn't so loyal to Discover. I still have many mixed feelings about them.

Re: Buh-Bye Discoverr

Anonymous — Sat, 17 Jan 2015 17:25:06 GMT

I was given a $5500 limit and 0% when I applied. I really have no idea why (not that I'm complaining). It was my highest limit at the time by 3K, and still is (considering Freedom is a combo of 2 limits). I don't want to start a big AU discussion, but I was (am) an AU on a Discover from 1999 with a 14K CL. It's unfortunate that I can't find a ton of use for it.

Re: Buh-Bye Discoverr

DiabolicallyRandom — Sat, 17 Jan 2015 17:38:38 GMT

I lack Discover loyalty as well. I find that I am not fond of rotating categories in general. It can simply be too much work to take advantage of them. I'm not going to go the extra mile to figure out how to spend 1500 at gas stations. Much of the time it feels like a 1% card. Im not sure why I hold on to my discover, especially after my hard pull cli of $500.

Re: Buh-Bye Discoverr

ojefferyo — Sat, 17 Jan 2015 17:47:38 GMT

They gave me a great SL and the APR that was on the screen when I appl'd, when I got the card with the disclosures and stuff it all matched. I have no problems with Discover so far.