SAVE YOUR MONEY!!!
Written: Dec 13 '02
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Pros: Get a Credit Card with no Credit
Cons: Fraudulent, High Credit limit, NO customer service
The Bottom Line: Discover stinks for lack of a better word, I would avoid them every way you can. I dont belive any one should have to suffer such a loss in life.
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| kf6nbh's Full Review: Discover Card |
The day I turned 18, I applied for as many credit cards as I could, and was approved for 2 of them, one being the discover student card. I always paid my bill on time and kept a decent balance. Back then I thought it was awesome to have a $2000 credit limit for not having any credit. Then I learned that they only do this to destroy peoples credit while they are young. With 32% initial apr, and outrageous late and over balance fees, Discover can quite be the devil himself. The thing I liked about discover is that they would put your account on hold if you were unemployed and would hold your account for upto 2 years untill you got a job. 6 months later the owner of the company sold and I was out of a job. I called to have my account held, and they confirmed that I did not have a job and that they would hold my account. 9 months later I finally get a job and call them back so I can start paying my card again when I come to the discovery that I have over $1500 of late fees racked up on my bill! This combined with over limit fees since my balance was now over $2000 to have a total of $1800 of over balance and late fees. Then also come to find out that my bank account has been canceled because they took all the money I had in there and overdrafted it. With finding this out I knew first things first. I could not get a bank account at the place I had previously banked with and went with a credit union. With this new bank account, I hoped of them not finding it so I can have money in the bank to pay the bill. I call discover and tell them that I have all these late fees when I SHOULD NOT. They transfered me and then hung up on me. I called back and got a rep who understood my situatuion. He said he deleted all of my late fees to the day I was unemployed and that I can pay my remaining balance. I agreed since I was starting where I left off. He asked me to write 3 post dated checks for $150 each to guarantee that they will recieve payments on the dates listed on the check. I did and sent them in. I check my bank account and come to find that they proccessed all 3 checks and overdrafted my bank account to the max limit. To do this, they also forged one of my checks so they can soak $190 out of one instead of $150. I called my bank and they said they cant do anything about the checks becuase they were electronically processed and that the dates dont matter. My bank is investigating discover right now for frauding a check. My recomendation is go with a real credit card, like master card or visa. Dont get sucked into discover, it doesnt pay!!!
Recommended:
No
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Epinions.com ID:
kf6nbh
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Location: San Diego
Reviews written: 5
Trusted by: 0 members
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