topic Re: Discover peculiarities? in Credit Cards

Discover peculiarities?

Anonymous — Tue, 30 Apr 2019 00:50:01 GMT

My app finger was itchy so I decided to get a Discover card, since it covers a network I don't have, and I think the general impression of them is pretty positive here.

Are there any peculiarities about DFS that I should know? Like do they CLD for infrequent usage, or what are some common AAs I should be on the lookout for, etc... Buggy mobile app perhaps?

I'm aware that Discover theoretically is the most widely accepted card in the world due to alliances with regional networks like UnionPay, JCB, etc... but how well does it work in practice for anyone that's tried using it at a, say, UnionPay-only terminal?

Re: Discover peculiarities?

AverageJoesCredit — Tue, 30 Apr 2019 00:59:05 GMT

Discover does not support nor cover anything Average Joe related. If you are not average, named Joe, or go to Globo Gym, you are good to go👍

Re: Discover peculiarities?

ChargedUp — Tue, 30 Apr 2019 01:14:40 GMT

I've had no issues with Discover and they were my first card to go past a $10K CL. They're mobile app works well and is pretty intuitive to use. The chat feature works well and the US based customer service seems to be able to do more than read from a script. AA from Discover seems to be a rare topic here on MyFico, and when it does occur, there's typically an understandable reason behind it. (missed payments, big score drop, etc.)

My name isn't Joe, so I guess that makes a difference

Re: Discover peculiarities?

Anonymous — Tue, 30 Apr 2019 01:20:06 GMT

Discover doesn’t really have any peculiarities in my experience other than their somewhat odd issuing of CLIs where you can be denied one day and literally get $3000 the next and the credit score sometimes doubles your inquiries or accounts so you should just use it for the score, which is accurate.

Their app is one of the best around, their customer service is excellent, the acceptance rate is going up around the world although it’s still recommended to have a VISA or MasterCard just in case, cash back is available when the statement is issued and they don’t seem to really take AA very often and actually tolerate people who revolve balances better than some other companies.

I wish they didn’t get rid of the Discover Deals so I would have a use for my IT on months that I don’t have a use for the category offered but otherwise I am pretty happy with my card. They were my first $10K since my rebuild too.

Re: Discover peculiarities?

Jnbmom — Tue, 30 Apr 2019 01:21:26 GMT

@AverageJoesCredit wrote:
Discover does not support nor cover anything Average Joe related. If you are not average, named Joe, or go to Globo Gym, you are good to go👍

Re: Discover peculiarities?

Kforce — Tue, 30 Apr 2019 02:15:06 GMT

Show pending charges as $1, instead of showing the real pending amounts.

Re: Discover peculiarities?

ChargedUp — Tue, 30 Apr 2019 02:18:20 GMT

@Kforce wrote:
Show pending charges as $1, instead of showing the real pending amounts.

Amex does this as well... From what I understand, an authorization for $1 is just to verify an open account?

Re: Discover peculiarities?

Kforce — Tue, 30 Apr 2019 02:27:53 GMT

@ChargedUp wrote:
@Kforce wrote:
Show pending charges as $1, instead of showing the real pending amounts.
Amex does this as well... From what I understand, an authorization for $1 is just to verify an open account?

All of my other cards show the real pending amounts.

I consider the 1 dollar view as a negative.

Re: Discover peculiarities?

joltdude — Tue, 30 Apr 2019 03:02:54 GMT

Discover Peculiarities...

The one that still sticks out in my mind is the random Wheel of CLI...

That said... Cashover is a useful little feature that I only think the Walmart/Sams card is the only other card that offers it.. Its a small, fee free CA...

Their chat support reps actually are useful...

Not skittish about holding a large balance..

One of the only cards I know that you can usually get an APR reduction (temp or perm) , a 0% on new purchases, or a inexpensive BT on pretty reliably

Think they have one of the better mobile apps..

You can get 2 FICO CRA scores from them monthly (one in account and one via their Credit scorecard)

You can cashout cashback pretty much anytime for any amount... (though you only get the double on your anniversary)

They did nerf Discover Deals which were pretty good... and some of the car rental and other such things..

Also they tend to take a risk on folks with clean, new, thin files... But are starting to go after the rebuilders and offering a decent secured product as well...

But no matter how hard we try, they still don't like @AverageJoesCredit .. Been waiting up here in the luxury seats on the Disco Train for him to get his ticket.....

-J

Re: Discover peculiarities?

Anonymous — Tue, 30 Apr 2019 03:08:18 GMT

@Kforce wrote:
@ChargedUp wrote:
@Kforce wrote:
Show pending charges as $1, instead of showing the real pending amounts.
Amex does this as well... From what I understand, an authorization for $1 is just to verify an open account?
All of my other cards show the real pending amounts.
I consider the 1 dollar view as a negative.

Disco has always shown me the pending amount. It was my grocery card for all of 1Q and I would get notifications when the card was used and for the amount so I could add it to my budget and also call my personal care at the store if the charge was higher or lower than my calculations said it should be. The only time I ever get $1 is when I make a purchase on a site I haven’t used the card on before and they do a test charge. Often these same companies won’t actually charge me until it ships so the $1 can sit there for a day or a few days before the real charge goes pending but it always shows up when it should.

Re: Discover peculiarities?

Anonymous — Tue, 30 Apr 2019 03:26:28 GMT

While, I still hold that the Cap1 app is the cleanest phone app, the Discover app feels sufficient. It’s not a super clean UI but has all the functionality you need.

Better than the heaping pile of junk the AMEX app is...

Re: Discover peculiarities?

Kforce — Tue, 30 Apr 2019 17:12:58 GMT

@Anonymous wrote:
@Kforce wrote:
@ChargedUp wrote:
@Kforce wrote:
Show pending charges as $1, instead of showing the real pending amounts.
Amex does this as well... From what I understand, an authorization for $1 is just to verify an open account?
All of my other cards show the real pending amounts.
I consider the 1 dollar view as a negative.
Disco has always shown me the pending amount.

Maybe I have joined the same club as AverageJoesCredit

I sure don't get pending !

Re: Discover peculiarities?

pinkandgrey — Tue, 30 Apr 2019 17:54:32 GMT

In my opinion, there is nothing touchy about Disco. I’ve gone months without using the card, and I’ve let it report a 50% balance. Disco has never CLD’d me for either. The customer service is the best of any and they’ve been generous with increases. Also, their app is extremely user-friendly. I’m a huge Disco fan and I personally don’t think one can ever go wrong joining the Discover family.

Just don’t mention AJC.

Re: Discover peculiarities?

calyx — Tue, 30 Apr 2019 18:18:49 GMT

Disco has been super easy for me, plus there's the silly fun of their free extra cards for designs (up to four? Someone here knows).

As for the pending amounts, I get the full amount any time I charge it at a regular store (grocery store, amazon, etc.), but I get the $1 pendings for places where it's just checking for validity before it goes through (like gas stations, or when I switch over my online subscriptions - like Dropbox...it's currently $1, but it'll go away and they'll post the full charge later). Restaurants give me pending the bill minus the tip, but the final charge will come through with the tip.

Re: Discover peculiarities?

KLEXH25 — Tue, 30 Apr 2019 18:41:22 GMT

I thought the $1 pending charge is due to how the vendor runs the card. I usually only get that when I use it at a gas station and it happens regardless of the card I use (such as my debit card). We run CC at work and when we want to check the validity of the card, we can do it either for a number check or a set amount. It’s then up to us to finish the transaction. My guess is that they do this either once a week or on certain days. BP took almost a week to put the charge through recently. So annoying.

Re: Discover peculiarities?

Anonymous — Tue, 30 Apr 2019 22:12:37 GMT

Discover has been the most generous with credit limit increases for me so far, some were automatic and others were soft-pull requests.
They add $5 free to gift cards you redeem your cash back for, so that’s pretty sweet!
Their mobile app is my second favorite of my CCs. I enjoy Capital One’s the most.

I sure miss the Discover Deals program - that got me a good chunk of cash back. They retired it last year.

Re: Discover peculiarities?

CreditInspired — Wed, 01 May 2019 00:12:26 GMT

@ChargedUp wrote:
I've had no issues with Discover and they were my first card to go past a $10K CL. They're mobile app works well and is pretty intuitive to use. The chat feature works well and the US based customer service seems to be able to do more than read from a script. AA from Discover seems to be a rare topic here on MyFico, and when it does occur, there's typically an understandable reason behind it. (missed payments, big score drop, etc.)

My name isn't Joe, so I guess that makes a difference

My name isn't joe either and I couldn't be happier with my Disco. Now, I did just request a CLI and was declined. So, I guess in that sense, I'm just another average joe (hi @Anonymous ). But other than that, I have no complaints.

Re: Discover peculiarities?

CreditInspired — Wed, 01 May 2019 00:08:40 GMT

@AverageJoesCredit wrote:
Discover does not support nor cover anything Average Joe related. If you are not average, named Joe, or go to Globo Gym, you are good to go👍

You're killing me over here.

Re: Discover peculiarities?

5KRunner — Wed, 01 May 2019 00:30:56 GMT

@CreditInspired wrote:

My name isn't joe either and I couldn't be happier with my Disco. Now, I did just request a CLI and was declined. So, I guess in that sense, I'm just another average joe (hi @Anonymous ). But other than that, I have no complaints.

Haha! Several members (including @Saeren, I believe) have recently been granted CLIs, so I smashed that button today and was also denied. Other than that, I’ve been very satisfied by my Discover card.

One of of my coworkers prompted me to look into high-yield savings accounts, and I chose Discover over Ally, Citi, AmEx and Marcus by Goldman Sachs, even though it has a slightly lower yield than any of them. Their customer service is just miles ahead of any other financial institution I’ve ever used, and that seems important when you can’t just pop into a branch like you can with a local bank or CU!

Re: Discover peculiarities?

KLEXH25 — Wed, 01 May 2019 00:51:55 GMT

@5kRunner I also opened a Discover savings account. Figured I already have their CC and app, and I love their CS, so it just made sense.