Discover Financial ServicesReviews of discover.com

Do yourself a favor and stay away from Discover CC. They won't be there for you if and when you need them for a dispute. They almost always favor with the merchant. No matter how much everyone you have showing fraud, they still take the merchants side.

In January of this year I spoke with a Discover representative to lower my monthly payments. During this call, I was not informed that these payments would be automatically charged. I’ve had auto-payments off for about a year now, so this should’ve been made clear. I made a payment on Thursday of this week for $66.50, as that’s what the app was displaying for March’s payment amount. The app also stated that my next payment was not until April. I assumed the payment for March had been made. This morning (Saturday), Discover charged me $110 for March’s payment. I contacted customer service and explained that I have auto-payments off and I’d already made a payment. The rep then explained the auto-payment policy with discounted monthly rates. I was not properly informed of this policy and would have made a different decision if I was. This is textbook bad customer service. The cherry on top was the rep thanking me for making double payments. Seriously. Once this card is paid off, I’m going somewhere else!

I applied for a secured Discover credit card, providing $2,500.00 as collateral, which was deducted from my personal checking account. Following approval, I received a request from Discover to sign a document through Equifax related to the Social Security Administration office; however, I was apprehensive about signing it. Despite my apprehension, I signed it since they had already taken my funds and mailed the credit card to me. On Saturday, March 21, 2026, I received an email indicating that I had a message when accessing the app or website. The message instructed me to contact Discover at 1-800-DISCOVER. Upon contacting Discover, I was informed that they had closed my account, and I would need to wait two billing cycles and ten business days to receive my $2,500.00 security deposit refund. Notably, I never utilized the card. As an Army veteran, American citizen, and individual with a disability, I find Discover's actions to be egregious. I am aware that Capital One acquired Discover. I requested that they expedite the return of my security deposit, considering I never used the card, but they declined.

30 years as a loyal Discover customer, and I’m in the process of closing my Discover accounts and those of my 3 college age children. Our son's card was compromised and was used to charge $800+ at a few retailers in the area where he goes to school. He reported the charges to Discover as soon as we questioned a couple of the charges, but the retailers said a physical card was used to make the disputed charges. I suspect a card copier was used to create a fake card, unfortunately not uncommon at all. It's unlikely that the retailers verified ID or any other identifying details at the time of purchase, and Discover's investigative process does not include an attempt to verify if IDs were used at purchase either. A quick google search of recent credit card fraud activity in the city where my son goes to school shows that we're not the only ones who have faced losses due to credit cards being copied. Bottom line -- we'll work with local police but we're stuck with the fraud. We're done with Discover and I suggest you look at one of many of the other options too.

Discover bank seems to want to charge regardless of what you do. I tried doing a good thing by getting ahead of my payments and paying about half the balance on my card. I was asked BY THE APP for my account and routing information (which is the same one they use for my automatic payments) and not a few days later I get a return check FEE because they couldn't process the payment because their completely outdated and ridiculous system somehow defaulted to an account I haven't used in more than 6 months. Not only that but it seems the representatives on the phone don't even want to help even when explained the issue and when I was passed along to web help the lady who took my call was this completely indifferent individual who didn't actually care for help and simply made note of my fragrant language (I cuss and that tends to happen when people are being aggravated by this heinous banking/credit card system) instead of actually trying to help. She claimed my "complaint" was being put in and openly admitted that no one was ever going to give me a call back about it or even address it on their end. Garbage banking, garbage credit cards, and especially garbage customer support I would tell you all who see this review to stay the HELL AWAY from discover bank in any way you absolutely can. DO NOT BANK with these people they will charge you a breathing fee if they could.

I’ve been a Discover card client for maybe three years now. Originally it was a necessary evil. But once I paid the balance in full I decided to use the credit card again. This time the experience has been AWFUL! My apr is incredibly HIGH. A payment of mine was rejected and although they send me weekly emails, they failed to notify me so I received a 30 day delinquency. No one in Customer Service cared. I was left stranded at a retail store having just made a $300.00 payment 8 hours prior to arriving. Please do yourself a favor and do NOT get this credit card! Choose a credit Union instead.

Vary poor customer service when they hang up on you. The fraud department will be the end of people using their card.

Discover Card has no support to their customers but just hearing the side of the merchant and will just respond to my complaint that the transaction is valid and dispute has been resolved! First time I encountered this kind of response from the credit card company. I requested that the investigation be re-evaluated on and sent my supporting documents on 2/3/26. I got a response from Discover 2/3/26, that the dispute is resolved and the transaction is valid! I know that the transaction was valid, I agree with that but I did not get my order! It was not delivered to my address! There was no help from discover at all. Very disappointed.