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Discover is confusing

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zerbherb
Established Contributor

Discover is confusing

they have chat in the iPhone app. But couldn't get on apple pay from day one. I'm generally confused and annoyed right now.

Anyone else agree with me?
;
Discover it 13300 cl nov 2014/ Everyday 26700 k march 2015/CSP 7.5k Feb 2016/ Freedom Unlimited 7k july 207
Message 1 of 16
15 REPLIES 15
mongstradamus
Super Contributor

Re: Discover is confusing


@zerbherb wrote:
they have chat in the iPhone app. But couldn't get on apple pay from day one. I'm generally confused and annoyed right now.

Anyone else agree with me?

apple pay is still an pretty new service so it will take time to get everybody on board i suppose. Having cards work with apple pay i don't think is make or break since only an small minority of people will use apple pay. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 16
KneelBeforeZod
Frequent Contributor

Re: Discover is confusing

I agree with mongstradamus on this one. I don't think Discover is doing any dis-service by not being on board just yet. Not all retailers are accepting contact less payments just yet - I'm sure that will change soon enough though. Don't lose faith in Discover - they'll get there eventually

I'm more surprised that EMV transactions aren't as widespread yet. I just finally did my first at Sams Club this afternoon with my World MasterCard. It was an interesting first experience!
Current Scores (Dec 20, 2015) - EQ=719 EX=739 TU=740
Message 3 of 16
kdm31091
Super Contributor

Re: Discover is confusing

Its going to be a very long time before you can use apple pay exclusively. If ever. So, its not a big deal IMO.

With regard to EMV I think its like anything else. People dislike change. We've been swiping cards for a long time. Especially older people will be annoyed having to "learn" a new thing.
Message 4 of 16
NRB525
Super Contributor

Re: Discover is confusing


@zerbherb wrote:
they have chat in the iPhone app. But couldn't get on apple pay from day one. I'm generally confused and annoyed right now.

Anyone else agree with me?

Is the Discover Chrome your only CC? if so, yeah, if you wanted to try out Apple Pay, will be a while waiting for Discover.

Depending on scores you could get a CapOne, AMEX, or BofA and those would work in your iPhone 6.

 

Just remember: Apple Pay only allows 8 cards in the phone at one time, so limit your app spree to less than that Smiley Tongue

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 16
zerbherb
Established Contributor

Re: Discover is confusing

I have cards on apple pay. But just not my main credit card. It's annoying. Look at my sig. I'm doing well so far. I apped to early got destroyed. DC And giants Barclays decline.

Hopefully by May I have a freedom prequel and that becomes my main card.
;
Discover it 13300 cl nov 2014/ Everyday 26700 k march 2015/CSP 7.5k Feb 2016/ Freedom Unlimited 7k july 207
Message 6 of 16
Anonymous
Not applicable

Re: Discover is confusing


@zerbherb wrote:
they have chat in the iPhone app. But couldn't get on apple pay from day one. I'm generally confused and annoyed right now.

Anyone else agree with me?

Not really. Discover's been around alot longer than applepay and I don't and won't have applepay. Still enjoy getting my cashback the old fashioned way. Smiley Wink

Message 7 of 16
Anonymous
Not applicable

Re: Discover is confusing

Yeah, as said Discover doesn't work with Apple Pay yet.  They released a statement before the holidays that they plan on working out integration "soon" so maybe it'll be in the next few months.

I have had my debit card on Apple Pay since the day they activated it on iOS 8 but haven't had the occasion to use it yet.  So really, there's not a ton to be missed yet.  I'll probably add my Cap One card to Apple Pay just because but will most likely continue to not use it until it becomes a little more universal (Mickey-Ds and Walgreens take it but not a whole lot else near me).  I will say I have used Apple Pay for web purchases in apps (Target most recently) - that's handy to just use the ol' thumb print.

Message 8 of 16
mongstradamus
Super Contributor

Re: Discover is confusing


@kdm31091 wrote:
Its going to be a very long time before you can use apple pay exclusively. If ever. So, its not a big deal IMO.

With regard to EMV I think its like anything else. People dislike change. We've been swiping cards for a long time. Especially older people will be annoyed having to "learn" a new thing.

another problem is an lot of retailers turned off emv on the machines so you can't even use it if you wanted to. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 9 of 16
NRB525
Super Contributor

Re: Discover is confusing


@Anonymous wrote:

Yeah, as said Discover doesn't work with Apple Pay yet.  They released a statement before the holidays that they plan on working out integration "soon" so maybe it'll be in the next few months.

I have had my debit card on Apple Pay since the day they activated it on iOS 8 but haven't had the occasion to use it yet.  So really, there's not a ton to be missed yet.  I'll probably add my Cap One card to Apple Pay just because but will most likely continue to not use it until it becomes a little more universal (Mickey-Ds and Walgreens take it but not a whole lot else near me).  I will say I have used Apple Pay for web purchases in apps (Target most recently) - that's handy to just use the ol' thumb print.


You haven't gone to McDonalds just to use the Apple Pay???

I was with my dad at McD last Saturday, and he tried to buy our lunch by swiping his credit card. I pushed his hand out of the way and explained that I had to HAD TO use my iPhone because I don't get many chances to use Apple Pay.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 10 of 16
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