Comments on: Discover More Card Review

By: bob

bob — Thu, 17 Nov 2011 19:05:28 +0000

discover is cool

By: Philip

Philip — Wed, 04 May 2011 17:25:40 +0000

My problem with the 5% cashback is, they do not have a list of companies that are in the program. I have to call a particular place to see if they participate in the 5% cashback option….according to the lady I talked with at Discover. Just because the 5% cashback is for gas at a certain time and you fill up, you may or may not get 5% back if the place does not participate.

A list from Discover would be helpful, until then, I have put that card away and not used it as much since I never know when I am getting the 5% back or not.

By: Jennifer

Jennifer — Tue, 20 Jul 2010 01:11:28 +0000

Since 8:40 a.m. this morning, I began to receive a call every two hours from Discover Card. When I called the Company, the representative told me that I have missed a payment. This is the only time I’ve missed a payment! I paid the bill and requested that in the future they refrain from calling me non-stop.

The customer service representative replied that, “it is not harassment if you owe us money.”

She further informed me that Company’s policy is to keep calling, until you call them back and pay your bill.

By: DR

DR — Tue, 13 Jul 2010 01:44:07 +0000

CK, your safest bet is to contact Discover for this information. Typically on balance transfers, the minimum payment is 2% to 4% of the balance. But it’s best to confirm the amount with the credit card company. I can tell you that Discover increases its minimum payment by $40 if you use the balance transfer feature.

By: CK

CK — Mon, 12 Jul 2010 02:49:03 +0000

I am considering transferring a balance of $10,000 and not charging anything else on the card. What would the minimum balance on my first statement be?

By: DR

DR — Sun, 18 Oct 2009 03:31:57 +0000

Pilm, thanks for the comment, which underscores the importance of understanding how you'll use the card before choosing a cash back offer. If you are looking for a card that pays at least 1% on every purchase, the Chase Freedom(SM) Card is worth checking out. It pays 1% on all purchases, and up to 3% on some purchases. You also get a 0% intro APR on purchases for 6 months and 0% intro APR on balance transfers for12 months.

By: Pilm

Pilm — Sat, 17 Oct 2009 18:45:05 +0000

Remember, you only get 5% cash back on gas 3 months of each year (for 2009 that has already passed). Also, until you spend $3000, you only get 0.25% to 0.50% cashback (specifically, you get $3.75 cash back if you spend exactly $1500, or $11.25 cash back if you spend exactly $3000). Compare that to a true (tierless) 1% cash back card, where you would have earned $30.00 if you spent exactly $3000, almost 3 times more!

By: BP

BP — Mon, 31 Aug 2009 07:12:18 +0000

Sorry to hear that P. Actually, I have 2 credit cards right now and I am planning on opening or getting another credit card. By the way, what was the problem with your credit card and why is it that they have to cancel it?

By: DR

DR — Tue, 18 Aug 2009 01:50:57 +0000

P, I went to discover.com and found this in the terms and conditions of the card: “if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited.” Still, I’d contact them to see why your card was canceled and whether they would make an exception. If you don’t mind sharing, I’d be curious to know how much cash back you lost.

By: DR

DR — Tue, 18 Aug 2009 01:46:37 +0000

P, sorry to hear that. It’s one thing to have a card canceled, but I don’t understand why you lost your cash back rewards. Have you tried contacting Discover to see if you can get your cash back rewards?