Posted: 7/28/2014 12:46:49 PM EDT
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Any opinions on Discover credit cards? Thinking about getting one, it has decent cash back and a 10.9% APR with the first 15 months being 0%. The only real downside that I see is that it is not universally accepted like Visa/Mastercard and I'm not sure which vendors will take it and who won't.
Any Discover customers have any feedback for me? |
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Any opinions on Discover credit cards? Thinking about getting one, it has decent cash back and a 10.9% APR with the first 15 months being 0%. The only real downside that I see is that it is not universally accepted like Visa/Mastercard and I'm not sure which vendors will take it and who won't. Any Discover customers have any feedback for me? I've had one for many years. Very few places accept Visa/Mastercard, but not Discover in my experience. Rewards are crappy, it used to be better. You have to sign up for special promotions and buy certain things to get the good cash back rates. Try this https://www.creditkarma.com/shop/creditcards and find the best card for you. |
| I Like my discover card. Places take it even if they don't think they do, Discover card won a lawsuit against Visa and Mastercard and are now accepted every where they are. Good customer service is rare anymore and they still have it and call centers are in America. |
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I Like my discover card. Places take it even if they don't think they do, Discover card won a lawsuit against Visa and Mastercard and are now accepted every where they are. Good customer service is rare anymore and they still have it and call centers are in America. |
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I've had one forever (like 11 years) no complaints at all. One minor quibble - they like to send you cash advance checks pretty regularly which Is a bit of a PITA since you never know if someone is going to rip off your mail... Just apply it to your next month's balance. |
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I like discover. They have two cards right now: http://www.creditdonkey.com/discover-it_discover-it-chrome.html
You're probably better off with the IT card not the Chrome unless you spend a lot on gas with it. |
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I've had a Discover card since about 1992 (according to the card).
We used to use it for everything and it was great getting cash back. However, in the last few years we stopped using it and have it only for "emergency use." Our CapitalOne Venture Visa gives better cash back rewards (2%), even though there is an annual fee. We use it to pay for almost everything and pay it off at the end of the month. (Never carry a balance if you're trying to earn money from "cash back." It's not worth it.) Check out the Credit Karma link someone posted above and shop a card that's going to work for you. |
| I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. |
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First credit card company I ever sued and as such, they have a special place in my heart. They were also the originator of charging interest on the average balance over the last two months, which really sucked for people who had a significant purchase that they paid off over a couple of months. I put them in the  category for some of their business practices. Capital One used to be similar with sketchy business practices, but I think they may have improved.
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| I've had mine a little over 3 years now. I also have a Capital One and an American Express, and I must say I primarily use the Discover. They have the best cash back deals and promotions through specific partners. Plus they have some of the best customer service out of all the credit cards companies that I've had/have. |
| I've had my Discover Card for a little over 8 yrs and I'm very happy with them. I have other cards as well but Discover gets used 99% of the time. I switched to the Discover It Card about a year ago. There CS is great and my statement includes my credit score which is a plus. It's accepted almost everywhere. Get the card, you won't be disappointed. |
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. |
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The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Quoted:
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. |
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Pro-tip: Lands End gift cards that are offered at a 20% discount in their rewards store (i.e $100 for $80) can be used at Sears.
Also Discover has some nice features that I haven't seen mentioned yet : doubled warranties, price matching and purchase protection Posted Via AR15.Com Mobile |
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Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Quoted:
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Three years ago my debit card was compromised and a very large purchase from Blizzard Entertainment was made (guess who ever stole my info really liked World of Warcraft). Immediately I went to the bank to contest it and they said they would investigate it, but that so long as the charge is pending they cannot reimburse me. This just meant that my checking account had the money in it, but that money charged was frozen and could not be accessed. Yes, it was eventually taken care of, but for a few weeks a large chunk of my checking account was inaccesible. Had a credit card been used the problem would have been solved without having my money frozen. ETA: Thank you all for the recommendations. It sounds like no one has really had an issue with it being accepted. |
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Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Quoted:
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Because it's not stupid bullshit. You will (probably) get your money back *eventually* with debit card fraud. But you may have to wait for it for an extended period. It depends on the financial institution's policies and what category of customer you are. Some banks will credit back small fraud amounts quickly, others won't. Large amounts will almost always require waiting until the investigation is done. Nothing like having checks bounce left and right while your adequately funded checking account is frozen. With a credit card, you are not exposed at all, for any period. I've worked IT for banks for 16 years, I'm well aware of policies for handling credit card and debit card fraud. |
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Because it's not stupid bullshit. You will (probably) get your money back *eventually* with debit card fraud. But you may have to wait for it for an extended period. It depends on the financial institution's policies and what category of customer you are. Some banks will credit back small fraud amounts quickly, others won't. Large amounts will almost always require waiting until the investigation is done. Nothing like having checks bounce left and right while your adequately funded checking account is frozen. With a credit card, you are not exposed at all, for any period. I've worked IT for banks for 16 years, I'm well aware of policies for handling credit card and debit card fraud. Quoted:
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Because it's not stupid bullshit. You will (probably) get your money back *eventually* with debit card fraud. But you may have to wait for it for an extended period. It depends on the financial institution's policies and what category of customer you are. Some banks will credit back small fraud amounts quickly, others won't. Large amounts will almost always require waiting until the investigation is done. Nothing like having checks bounce left and right while your adequately funded checking account is frozen. With a credit card, you are not exposed at all, for any period. I've worked IT for banks for 16 years, I'm well aware of policies for handling credit card and debit card fraud. |
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Credit/debit card fraud investigation for 13 years. Quoted:
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I had a discover card before I went on the Dave Ramsey plan. No I only buy cash or debit card for the Internet which has the same protections as a credit card. I would cut up all your cards before you get into trouble like rarestrx. You can read about it in the debt consolidation thread. I was probably on the same path as him before I found Dave Ramsey. He was talked about in gd so I checked him out and tried his plan and it saved me. The typical debit card does NOT have the same protections as a credit card. The money comes directly out of your bank account. If there is fraud, the money is already gone. Your bank may, or may not, decide to credit you back before their investigation is complete. It can take months for an investigation to run it's course. Why do people keep parroting this stupid bullshit? Debit cards have the same protections as credit cards. Visa, Mastercard, AMEX and Discover all have policies that financial institutions HAVE to agree to in order for that financial institution to issue a debit or credit card with a Visa, MC, AMEX or Discover logo on it. This includes no fault fraud protection, and in most cases the bank's fraud protection policies go above and beyond the minimums set forth by the credit card companies. Because it's not stupid bullshit. You will (probably) get your money back *eventually* with debit card fraud. But you may have to wait for it for an extended period. It depends on the financial institution's policies and what category of customer you are. Some banks will credit back small fraud amounts quickly, others won't. Large amounts will almost always require waiting until the investigation is done. Nothing like having checks bounce left and right while your adequately funded checking account is frozen. With a credit card, you are not exposed at all, for any period. I've worked IT for banks for 16 years, I'm well aware of policies for handling credit card and debit card fraud. Well, we're just going to have to agree to disagree. My wife works in the accounting department of her bank and just explained their policy for debit card fraud. Her bank *may* issue a "provisional credit" during the investigation for small amounts, or partial amounts of large fraud totals. But the funds *can* be frozen for the duration of the investigation which can take up to 90 days. This is similar to the policies of all financial institutions that I've worked with. |
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My wife works in the accounting department of her bank and just explained their policy for debit card fraud. Her bank *may* issue a "provisional credit" during the investigation for small amounts, or partial amounts of large fraud totals. But the funds *can* be frozen for the duration of the investigation which can take up to 90 days. This is similar to the policies of all financial institutions that I've worked with. So what your saying is that debit cards MAY have the same protections as credit cards. Sounds like credit cards are better... |
| 1st card, I think it was about '97. I have visa and amex but primarily use discover as it is very rare I cannot. They have always taken care of me - a cpl fraud charges over the years, late payment forgiveness 2 or 3 times and no extra charges. I dont carry a balance so I dont know/care what the interest rate is and the rewards are ok (switch to amex if there is a better cash back for certain things) |