Hope I didn't goof up with Discover

[smc733]

And they try to sell you "protection" whenever you call, and charges take FOREVER to post to the account.

Seriously, a supermarket charge from last Monday posted TODAY.  Starbucks from last Monday posted today too!

[daytrade5]

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@smc733 wrote:

And they try to sell you "protection" whenever you call, and charges take FOREVER to post to the account.

Seriously, a supermarket charge from last Monday posted TODAY.  Starbucks from last Monday posted today too!

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For me, it never matters when the charge actually "post" to my Discover account because as soon as I swipe my card my balance reflects what i've spent. I'm not sure if this is a valid reason for your dislike of Discover. Every card company has something that they probably could do a little better, but Discover is still pretty prime to me.

[DI]

It seems like they put you on a hardship program.  Did you have a high balance at the time of receiving a call from them?

[llecs]

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@DI wrote:

It seems like they put you on a hardship program.  Did you have a high balance at the time of receiving a call from them?

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I don't think so. My high balance was ~$2100 of $2600, but I do PIF at least once quarterly. And if I don't PIF, then it's a minimum of $300-$500 as a monthly payment (vs. forking out $2k at once, as an example). And I recall the conversation with the CSR too. No indication at all that it was a hardship. Also after getting the More, they gave me automatic CLIs every quarter or so up to this event ($1500 to $2600 in a year or so w/ the card being opened 7/2009). I hope I didn't hurt my chances for future CLIs, though haven't tried for a manual CLI since getting it.

[scientifics]

Why not just call Discover and ask what happened? Tell them you were confused by their email as you didn't know you had signed up for a hardship program.

[llecs]

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@scientifics wrote:

Why not just call Discover and ask what happened? Tell them you were confused by their email as you didn't know you had signed up for a hardship program.

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I'm certainly going to do that today when I get into the office. I'll post back if they say anything.

[Anonymous]

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@Uborrow-Upay wrote:

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@smc733 wrote:

Discover is sub-prime, dump them and move on.

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I strongly disagree, and I'll leave it at that.

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+1

[Anonymous]

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@smc733 wrote:

And they try to sell you "protection" whenever you call, and charges take FOREVER to post to the account.

Seriously, a supermarket charge from last Monday posted TODAY.  Starbucks from last Monday posted today too!

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That's never happened to me. But serioulsy why don't you cancel the card and move on??? Have you had the card for 6 months? Maybe after 6 months you will get a credit increase. Sounds like your bitter because they didn't give you a high cl. Heres a tissue.

[smc733]

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@Anonymous wrote:

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@smc733 wrote:

And they try to sell you "protection" whenever you call, and charges take FOREVER to post to the account.

Seriously, a supermarket charge from last Monday posted TODAY.  Starbucks from last Monday posted today too!

---

That's never happened to me. But serioulsy why don't you cancel the card and move on??? Have you had the card for 6 months? Maybe after 6 months you will get a credit increase. Sounds like your bitter because they didn't give you a high cl. Heres a tissue.

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I'm not worried about the CL, in fact, I haven't mentioned that in this thread.  

It is the:

-Constant sales pitch on the phone

-Cash access checks

-BT Offer harassment

-Slow posting of transactions

-Ads on the crappy website

...just to name a few.

[UFGuy2006]

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@scientifics wrote:

Why not just call Discover and ask what happened? Tell them you were confused by their email as you didn't know you had signed up for a hardship program.

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+1