please sum up all discover dislike in this thread

[kdm31091]

Don't get me wrong -- I appreciate recons. I've used them myself.

The fact that Discover doesn't typically recon though, isn't a dealbreaker to me. Honestly, their card is one of the easier cards to be approved for, particularly if you click the "student" version so you don't hear of too many denials anyway, but if they decline you, it probably is a reason that they can't just overturn, because the card is relatively easy to get.

It'd be nice if they did recons, but it doesn't mean they're a bad lender if they don't. I don't consider Citi or Capital One bad lenders (others will disagree haha), and they aren't big on recon either. It's just a different style, not good or bad IMO.

[Anonymous]

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@kdm31091 wrote:
While I get what you're saying, offering recons does not mean general good customer service. If you are declined there's a reason. maybe Discover doesn't feel they can or should override it instantly.

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Disagree.   If you are rejected for something, that's really when you want customer service.  It's certainly the issuer's right not toentertain recons, but then it loses customer service marks IMO!

[kdm31091]

I just kind of feel like people stretch the meaning of "good customer service" to mean "give me whatever I want". Admittedly, I am kind of jaded because I've been in retail a long time, and certainly customers in the store equate customer service with getting whatever they want -- expired coupons honored, free items, return whatever they want, blah blah blah -- just because you tell someone no doesn't mean you are rude or giving bad customer service. You still have policies to follow. Pleasing the customer is number one, but you still have to have some sort of system and policies. Or else why not just give every item away free? Customers would be delighted!

So in that regard, just because Discover doesn't overturn a denial for you does not mean they have bad customer service. It simply means they have to follow the policies in front of them. It doesn't make them rude and it doesn't mean someone should badmouth them (not that you did, lurker, just saying in general).

This issue has always annoyed me. Customer service does NOT equal "I can have anything I want". It equals polite, friendly reps who go above and beyond to help you out within their policies. If I get fired because I gave a customer a free item because they're having a bad day, sure, that was great customer service, but I completely ignored policy. In the same vein, a Discover analyst reconning your app and approving you when they are by policy not "supposed to" because it's a denial, could wind up getting them in trouble if they break policy. Just food for thought.

[Anonymous]

But the customer is always right.

[kdm31091]

Yes, but some people take complete advantage of that when they know completely well that they are wrong. (Not with CC's so much, more with the retail thing lol)

[Anonymous]

Of course. Once the customer leaves the store there isn't much one can do about it. With CCs eventually someone's going to get whats coming to them.

[Anonymous]

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@racer-x wrote:

Discover and BoA started me with sub $2k CL's when I was getting $15k CL's 2 yrs ago

After the lst year, and 1 HP later, I went to Discover $5k, same for BoA.

6mos later and yet another HP, bumped to Discover $12.9k and $10.1 k with BoA.  I was pushing $175k in CL, and consistent low low 700's.

And then the AA came down like the 'red' plague back in Dec.  I carried balances for 3mos. at the end of the year on the Discover and about 4 other accounts that previously PIF'd every month.

BoA called me to ask about the change in my spending/payment/balance carrying routine and graciously left my accouunts alone.....20% utilization on $14.1k CL's.

Discover however, CLD'd to over 95% utilization.  Also CLD'd to 95%+ utilization with Chase on 3 accts and US Bank on 1 of 3 accounts in January.

Total CLD's - $32k-ish.

All Chase accounts and Discover were PIF'd, US Bank paid down to 80% immediately.  The PIF'ing of the accounts were planned before the AA happened, but they acted more quickly than I could to right the ship. 

EX on Exdirect jumped 31 pts last night when Discover and a US Bank Harley Visa reported $0 balances overnight and the US Bank PLOC that got CLD'd did report at 80% utilization (not sure how bad that is hurting me)....I know it's EX fako, but it has always been close to myFico.  We'll see what myFico says since i have the 3 report monitoring pkg. 

Almost 720 again....68 pt increase in 23 days.

Sorry for getting into the details, but if I didn't, I was sure as hell gonna be asked.

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Appreciate your follow back. The situation could affect other posters so if we could figure options ahead of the "grime reaper" ... maybe a proactive approach would help (like you were planning). Both US Bank and Cit have been watching my profile so an eye on all is important.

[bigblue7722]

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@kdm31091 wrote:
While I get what you're saying, offering recons does not mean general good customer service. If you are declined there's a reason. maybe Discover doesn't feel they can or should override it instantly.

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the ability to recon is good customer service. It is listening to people so they can have their story told. Computers cant do that. 

[juggalo9er]

ON THE NOTE OF CUSTOMER SERVICE

Having called Barclay and inquiring about a chip and pin card, stating I "needed one" which is true. The reply the frontline CSR informed that she could see my account and that the current cards I have are not offered in chip and pin. My reply was "what can i do to get it from Barclay?" The reply the CSR gave was to apply for the arrival and she would do everything she could to make sure I was approved. Keep in mind I am three years out of chapter 7 and have heard of people with perfect histories being denied for this card. So at this point i am thinking ok reallocate all lines to an arrival so I will not be screwed when I am abroad.....

     NO! The arrival was approved as a separate and new line when I called back in after applying! The analyst literally said nothing about all my new accounts (there are lots), my accidental high utilization on two cards (69%, and 38%) the only thing he mentioned was that I have a perfect history with Barclay and was glad he could help. THIS IS CUSTOMER SERVICE; I WILL ALWAYS BE A LOYAL CUSTOMER TO THEM FOR THIS ONE ACTION!

Discover was around a year old, was paid in full 6/12 months with 23%-51% utilization carried in various other months. During this time I called and expressed concern over my low credit line, was met with hp’s on both occasions for a abysmal $250 cli….later I would have them request 4056-t….on a $1500 line. When I called in to question the request I was specifically told that I was a “suspicious customer”  and that discover had to protect themselves.  I feel suspicious as I am a disabled veteran of foreign affairs, college grad (still attending MBA) and community volunteer.

No I am not bitter at Discover; I simply will no longer do business with them ever as they obviously do not fit my needs. Pardon the grammar, I feel like I just typed an essay but felt I had to clarify a few things. been up for 22 hours

[Anonymous]

I suspect they were jealous of Barclays.