topic Re: 2nd acct removal from Discover in Credit Cards

2nd acct removal from Discover

NoMoreE46 — Sun, 10 Oct 2021 12:50:00 GMT

Not long ago, I was able to combine my two Discover Card accounts.

Whenever accessing my account the closed card would still be showing on my profile. Using the app, I tried to look for a way to delete this closed account. Could not find a way to do it so I logged into the full online version to update my profile.

There was no option on the online version to remove my closed card. So chat session.

I was informed that I had to request for Discover to do it. I did.

Here is an another interesting angle - I was told that it may take them up to 12 months, yes 12 months to get the closed account removed.

So just FYI.

Re: 2nd acct removal from Discover

Anonymous — Sun, 10 Oct 2021 14:51:47 GMT

NoMoreE46 ... had the same experience.

Re: 2nd acct removal from Discover

Hex — Sun, 10 Oct 2021 15:20:21 GMT

I have a Zombie Disco account too. I thought about getting it removed but I was worried messing with it might somehow inadvertently result in the account aging off my reports sooner than it otherwise would. I have no basis for this concern but since it's only mildly annoying I'm gonna leave it be.

Re: 2nd acct removal from Discover

NoMoreE46 — Sun, 10 Oct 2021 15:10:58 GMT

@Anonymous -

Has your closed account since been deleted or are you still within the 12 months?

It seems like they didn't see the need to program these type of requests to be done on the front end.
I was told by the CSR that it is rare for folks to combine accounts. Given this, then I can see why they wouldn't bother to give consumers the ability to then delete the "Zombie" account that @Hex aptly named.

Re: 2nd acct removal from Discover

Anonymous — Sun, 10 Oct 2021 15:12:38 GMT

@NoMoreE46 wrote:
@Anonymous -

Has your closed account since been deleted or are you still within the 12 months?

It seems like they didn't see the need to program these type of requests to be done on the front end.
I was told by the CSR that it is rare for folks to combine accounts. Given this, then I can see why they wouldn't bother to give consumers the ability to then delete the post combined closed card info.

Gone ... do not understand their process ... been with them for many years and this has happened more than once with nothing changing. Maybe old tech?

Re: 2nd acct removal from Discover

UncleB — Sun, 10 Oct 2021 15:19:47 GMT

I had a similar issue with CareCredit when I upgraded to the MC... the old PLCC stuck around on the dashboard for a while (year or longer).

At first it really annoyed me and seemed like an oversight, but then I realized that once it's removed I would no longer have access to the old statements and transaction history, so looking at it from that angle helped things make a bit more sense.

With Disco combinations I can see it as somewhat the same since you're not merging the account history, you're really just moving/merging the credit line from one card to another. If they were to immediately remove the old account from the dashboard I imagine there would be calls to customer service from folks who needed old statement or transaction info.

Re: 2nd acct removal from Discover

Yankee2 — Sun, 10 Oct 2021 15:30:00 GMT

I think it's normal for all credit card companies to keep closed accounts visible for at least a year.

I've closed accounts from Discover, Chase, Capital One and BOA and all had the account I closed visible for 12-18 months.

Re: 2nd acct removal from Discover

FinStar — Sun, 10 Oct 2021 19:51:41 GMT

@Yankee2 wrote:
I think it's normal for all credit card companies to keep closed accounts visible for at least a year.

I've closed accounts from Discover, Chase, Capital One and BOA and all had the account I closed visible for 12-18 months.

I dunno about 'normal' but my outcome was different than yours @Yankee2

Discover took a while (can't recall the exact timeframe but maybe about a year?). Chase, Capital One, BoA closed accounts were gone from the online profile view in about a month or so. Barclays took a couple months. To calrify, the removals of the closed accounts from the online 'dashboard view' were not at my request, it was done systematically on the back-end. Citi, 5/3 and AmEx can be unlinked. SYNCB stay on the system regardless -- only if the same User ID profile is used (i.e. upgrades or previously closed accounts).

Re: 2nd acct removal from Discover

CreditCuriosity — Sun, 10 Oct 2021 19:58:29 GMT

Ya have cards from years ago on my dashboard.. I don't know when they just dont put a program fix in to remove or hide it at least hiding the account is a very simply programming solution, but for some reason they are a bit behind on that technology. Been to lazy to call them and have very old accounts that were combined removed.

Re: 2nd acct removal from Discover

minski — Mon, 11 Oct 2021 01:48:27 GMT

Same. I had requested to close one of my Discover cards but because that still showed on my Dashboard, there was no way for me to know whether it had actually been closed. I found out that the account finally closed when reviewing my report on Credit Karma. Couldn't figure out how to remove it from Dashboard and too lazy to reach out to CS for it so I try to ignore it now.