Discover Card has become my personal favorite...Out of ALOT
Written: Oct 08 '02
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Pros: Very flexible and helpful CS personel, good promotions, reliable credit
Cons: Not the best rates out there, but I pay up front anyway
The Bottom Line: Great card, great service, web service for balances and excellent "HUMAN BEING' type people to deal with - Highly recomended
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| nick1326's Full Review: Discover Card |
I've been a Discover Card member for over 8 years at this point. Aside from having extremely helpful and flexible customer service, I've NEVER had any problem with any aspect of this card and thus far, have found the security and service afforded with this card to be top notch- and this extends far beyond cashback bonus!
Honestly, the cashback bonus, which is a major selling point of this card, is barely a factor for me...Granted, I spend a ton of money on this card, and the cashback awards I earn are substantial...but when you're ringing up a couple of thousand dollars a month, you tend to not really acknowledge a few hundred back every once in a while - nevertheless, it is a nice feature, especially the double-cashback promotions.
What has mostly kept me very happy with this card is the help and service I get from the customer service staff. Any time there is a mis-charge, it is no problem they help - either challenge it or just eliminate it- I have impeccable credit and these guys really do look at that - I am treated like the honest person I am...Most other cards immediately look at any inquiry regarding a mis-match charge with incredulity and skepticism - NOT ONCE, has any Discover service person made me feel like my inquiry is bogus, because none of them are. However, I've had many other cards (multiple Citi and Mastercards) where the customer service (CS) people make you feel like a criminal!!! A few times I've gotten into a situation where a few major charges have hit at once - Discover allows you to change your statement cycle date to give you a bit of extra time. I ALWAYS pay my entire balance off like a debtors card - I believe there have been 2 occasions where I split a balance in half an took 2 months to pay instead of right away... Nevertheless, I have had one bank error where a check cleared for a lesser amount than was written...Discover acknowledged the error and reversed out the interest charges, no questions asked...have a nice day, Sir. Very impressed.
Statements are mailed in plenty of time, have plenty of contact info in case of a problem and are written clearly and concisely - I like the way they read better than other competitors' statements. Lastly, occasionally a check gets mailed out a day late or so...I've had a few late charges put on because my payment wasn't received in enough time, however they've always helped me and listened- for instance, I was on vacation once and told them out right that my payment would be late - the woman made a note and the charge was later reversed. Despite the rates, every other part of the service makes this card the best of the best AND the rates are still competitive and negotiable!
In the credit card game, it is surely the little things- I use my Discover Card ALOT - I pay most of my bills with it not to mention a majority of my purchases go on this card, including most of my online business - everything earns cashback BUT the security is impeccable with zero liability for fraud. I even get a random call once in a while to make sure charges are valid - excellent delivery, service and follow up - Bravo Disover, the upstart of the industry has taken the best attributes of all cards and summed them together, this is a great card and I highly recomend you check it out.
Recommended:
Yes
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Epinions.com ID:
nick1326
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 - Top 100 |
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Location: Long Island, NY
Reviews written: 232
Trusted by: 94 members
About Me:
Music, Motorcycles, Drumming, Surfing, the finest cigars and living life to its fullest...
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