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I had discover for about 8 years and when I first got them, I loved them! But the longer your with them the more screwed you become. I had to use my discover in 2020 after I lost my job… just to be able to eat. And well they took full advantage of that and charged a ton of interest and then as interest rates rose, obviously so did my interest rate to a staggering 29%. I could barely afford the minimum and the interest literally made the minimum I was paying not even scratch the surface of what I owed. Basically my min was $182, and my interest was $178 each month… so it was going down… by like $4. I tried calling multiple times and saying I’m going through a hardship I need help, I can’t pay this. They froze my account and lowered the min to $100 and the interest to $50 a month for 2 months…. Okay thanks that really helped me. Mind you, according to the pay off prediction it would take 30 years to pay off if I paid the minimum, why would 2 months at that rate do anything? You froze my account, just leave it like that for a least 6 months, a year? Like I have never been late ever and I have been a customer of theirs for years but because I got screwed over cause of a global pandemic and I needed to eat, I am now screwed… well I eventually got approved for a loan to consolidate my debt and get a lower interest rate and the bank that approved it took a while to approve it. So by the time the pay off amount came the pay off number that bank had was $30 more than paying off discover. The bank wouldn’t let me change it cause it was what was approved so they told me to send it anyway… I then had a credit of $30. I called and asked for that credit back. They said you need to wait until the 25th for the new billing cycle (mind you this is the beginning of that month) well I waited! And guess what? My balance which was -$30 and THEY owed me… they charged me interest! $55 of interest! So now I owe them again! I called them and after being on hold forever while they figured out why this would happen and they were talking to their manager they said the manager will have to look at it and refund me this money and then I need to call back in 48 hours to then request my $30 check! You have my address you have my bank… why do I need to request something that should be automatic…. Well I am not sure if they will move this forward because they’re saying that there justified in charging me the interest of $55 because from the 25th of the last month to the beginning of the next… when I paid it all off… I still had a balance so for a week in that billing cycle I had a balance, so that $55 is the back pay from when I still owed… like how crooked can that be! To be fair the people you talk to are super nice and understanding, I truly believe this is the higher ups at discover that don’t care about their customers… well besides getting new ones.. thanks for screwing me discover…
I had discover for about 8 years and when I first got them, I loved them! But the longer your with them the more screwed you become. I had to use my discover in 2020 after I lost my job… just to be able to eat. And well they took full advantage of that and charged a ton of interest and then as interest rates rose, obviously so did my interest rate to a staggering 29%. I could barely afford the minimum and the interest literally made the minimum I was paying not even scratch the surface of what I owed. Basically my min was $182, and my interest was $178 each month… so it was going down… by like $4. I tried calling multiple times and saying I’m going through a hardship I need help, I can’t pay this. They froze my account and lowered the min to $100 and the interest to $50 a month for 2 months…. Okay thanks that really helped me. Mind you, according to the pay off prediction it would take 30 years to pay off if I paid the minimum, why would 2 months at that rate do anything? You froze my account, just leave it like that for a least 6 months, a year? Like I have never been late ever and I have been a customer of theirs for years but because I got screwed over cause of a global pandemic and I needed to eat, I am now screwed… well I eventually got approved for a loan to consolidate my debt and get a lower interest rate and the bank that approved it took a while to approve it. So by the time the pay off amount came the pay off number that bank had was $30 more than paying off discover. The bank wouldn’t let me change it cause it was what was approved so they told me to send it anyway… I then had a credit of $30. I called and asked for that credit back. They said you need to wait until the 25th for the new billing cycle (mind you this is the beginning of that month) well I waited! And guess what? My balance which was -$30 and THEY owed me… they charged me interest! $55 of interest! So now I owe them again! I called them and after being on hold forever while they figured out why this would happen and they were talking to their manager they said the manager will have to look at it and refund me this money and then I need to call back in 48 hours to then request my $30 check! You have my address you have my bank… why do I need to request something that should be automatic…. Well I am not sure if they will move this forward because they’re saying that there justified in charging me the interest of $55 because from the 25th of the last month to the beginning of the next… when I paid it all off… I still had a balance so for a week in that billing cycle I had a balance, so that $55 is the back pay from when I still owed… like how crooked can that be! To be fair the people you talk to are super nice and understanding, I truly believe this is the higher ups at discover that don’t care about their customers… well besides getting new ones.. thanks for screwing me discover…
