Discover has the best credit card!

[HLxDrummer]

Every once in a while I would get an email/phone from Discover asking if certain charges were legit and they always were. Well today they weren't and Discover just ran through my statement, I told them what was legit and they took off everything else. They are over nighting a new card. I talked to someone who spoke english and was in the US. I didn't have to go through touch tone menu systems. I didn't wait to speak with someone. It is amazing, honestly.

Customer service is my #1 priority and I will always have a Discover card because of their service. I feel like a lot of business could use them as role models. Keurig, Discover, and Lifeproof all have somewhat more expensive/premium products but they are worth the price because they take care of you. Lifeproof sent me multiple free cases, Keurig sent me a new coffee maker free of charge because an LED burnt out, etc. I will definitely buy products in the future from all of these companies because of how they treated me.

So if you need a card, go Discover! They may not have the lowest APR or the highest cash back, but it is worth it.

[HilbillyHomeboy]

LOL, Discover...story time

My 1st card was a Discover. In college, and a guy was set up near the dorm saying if you filled out the app he would give you a free t-shirt. So, of course I was like, uh hell yeah free CLEAN shirt! Low and behold they actually sent me a card with a $1,000 limit. No job, no credit, and they gave me that? Mom called me and said, you want me to go ahead and cut this up? Like a dumbass kid, I said no.

Ahh, that card was glorious. I found out you could stick it in an ATM and $20 bills flew out! Then one day the ATM told me to get bent. Reality set in. I had spent $1,000 and had no source of income. Took me a long damn time to pay that card off.

Fast forward a few years, and Discover starts sending me apps. I told them repeatedly that I did not have a good track record with them and to quit wasting their time. They persisted. So, on the last app they have ever sent me, and we're talking a solid 15+ years as of today, I wrote out a story very similar to this one using all the data boxes/lines on the app.

Anyway, another great company is Tervis. The folks who make the best double walled plastic cups/glasses on the planet. They will replace any of their products no matter how old, or pretty much whatever happened to them.

Jeremy

[Echo419]

call them up and ask them to explain their double cycle billing and how they accru interest.

plus like Amex they suck for businesses by charging them extra to use their card.

[IPD]

Thanks. Had a discover. Got tired of the interest rate changes, pestering me over account inactivity, etc. My Chase has had a $25k limit for 10 years, and I'm not going back.

And before I forget, I've done NUMEROUS chargebacks through chase and haven't ever had issues. Usually the only time I have to talk to them is when I'm making a purchase over $5,000 or something. And I'm someone who buys 90% of non-grocery items online...so I've got a bit of experience.

Not saying Chase is right for you--or everyone--I would just steer clear of MBNA and Discover, in my experience. BoA can suck it.

[HLxDrummer]

Well I pay off in full every month so interest isn't relevant to me. I do not own a business so I don't really care about them getting charged more either (no offense).

I thought about Chase but stuck with Discover for the awesome customer service. When everything else in life is a PITA/takes forever, I never have to worry about my Discover stuff. Pick up the phone for 5 mins and your done.

[stealthee]

LOL, Discover...story time

My 1st card was a Discover. In college, and a guy was set up near the dorm saying if you filled out the app he would give you a free t-shirt. So, of course I was like, uh hell yeah free CLEAN shirt! Low and behold they actually sent me a card with a $1,000 limit. No job, no credit, and they gave me that? Mom called me and said, you want me to go ahead and cut this up? Like a dumbass kid, I said no.

Ahh, that card was glorious. I found out you could stick it in an ATM and $20 bills flew out! Then one day the ATM told me to get bent. Reality set in. I had spent $1,000 and had no source of income. Took me a long damn time to pay that card off.

Fast forward a few years, and Discover starts sending me apps. I told them repeatedly that I did not have a good track record with them and to quit wasting their time. They persisted. So, on the last app they have ever sent me, and we're talking a solid 15+ years as of today, I wrote out a story very similar to this one using all the data boxes/lines on the app.

Anyway, another great company is Tervis. The folks who make the best double walled plastic cups/glasses on the planet. They will replace any of their products no matter how old, or pretty much whatever happened to them.

Jeremy

Did not know that about Tervis. I'll have to keep that in mind since I have a few of their cups.

As for me, Discover pissed me off and I will never think about getting a card with them. Long story short. I got a "pre-approved" consolidation loan thing in the mail from them for $25,000. I started looking it over and crunching the numbers and I went ahead and applied for $15,000. Overall, I was going to save around $300 a month from paying off higher interest stuff. App got denied because "I didn't make enough money"

How the hell do I not make enough money when I am going to save $3600 a year?

I get credit apps in the mail all the time since I have some pretty stellar credit.

[onebadmollafolla]

Visa credit card here. Haven't had it terribly long but No complaints. Never have had to wait for customer service and it's all in the United States. My debit card is a Visa as well and again, never any issues.

[HLxDrummer]

I don't get why they pre-approved for $25,000 but then don't want to give you $15,000? Makes sense lol

[familyMAN]

My southwest visa pays for Christmas every year when I redeem my points as amazon gift cards This year we are getting company cards so no more freebies since company will keep the benefits of my business travel Was a good run.

[KeithMac]

I've got 10 cards in all, managed to get 5 down to zero balance and on target to finish another in October.

Having credit cards and paypal are the two worste things that have happened to me, not being able to see the cash in your hand makes it a lot easier to spend.

Going to be debt free by 40 but it's a long hard slog..

Worste thing is if I cancel my zero balance cards it will more than likely go against my credit rating..