I’m sure I am not the first in this group to ask this, but it seems like any offer they have on the website that I’m interested in using has crazy exclusions for basically everything that most people would use it for. Are the good offers just come and go ? Do you have to use the crappier offers to get to the good ones ? Anything helps TIA

I have Discover It and already set up the app and everything with C1. Is it possible to upgrade it to a traditional Capital One credit card (Venture X or sth) without losing my credit history with Discover? I had it for over 5 years, don’t really need the card anymore, but don’t want to really close it either for history.

If you already have a capital one account, will my discover account auto add? Or is there something I have to do?

I have to pay off a hotel bill and the app completely changed and it wont let me pay of the statement balance. I got the capital one account but i dont see my card in there at all. How am i supposed to pay this thing off.

Also only 40 days since my last Cap1 CLI. My Discover account has not been migrated yet though, and is not slated to soon (I've received no notifications thus far). I've heard others report CLI requests being declined approaching the migration date.

I've seen a few DPs of Discover approving CLI requests only a month or two since the last CLI, but it didn't seem super common, so I fully expected a denial, especially having a young account. Still, I'd like to get as many CLIs as possible before migration. I also plan on applying for a new card in Nov/Dec, and wanted my reported CL up before then. So I thought it was worth a shot. Glad I pulled the trigger.

Possibly relevant variables:

* Updated income about a month ago

* Added an authorized user a little over a month ago

* Scheduled a payment right before submitting CLI request.

* Other than that, only 2 payments posted since last request, one 89% of limit PIF, one 44% PIF.

* Last reported balance 38% (Discover actually reported current balance instead of statement balance for Sep).

* Available credit at time of request: ~1.5k

* Current FICO8 scores: 738-745

It’s almost been a year since I got my first credit card, the Discover it Chrome. I wanted the Discover it Cash Back, but I think as a first credit card you couldn’t get that.
Now that I'm getting close to having the card for a year, I'm trying to figure out what would be the best move for both building my credit and maximizing cash back.
I'm considering two options:
Product change my Chrome to the Discover it Cash Back.
Apply for a second card (the Discover it Cash Back) and keep my Chrome open.
I've read that opening a second card can temporarily lower your score because of the hard inquiry and new account, but it can also help build a thicker credit profile over time. I've also heard that it's generally better to have multiple revolving accounts rather than just one.
I'm not planning on taking out a major loan anytime soon, so I'm more concerned about building a strong credit profile long-term and getting the most rewards possible.
Would it make more sense to apply for the second card once my Chrome reaches 12 months, especially if I could get the first-year Cashback Match? Or would product-changing be the smarter move?
I'd appreciate any advice!!

Hi Everyone,

When I logged into my Discover account to pay my bill it talks about it will be switched to C1 website as we all know. I just want to post this info so anyone who miss the information or who did not log into their Discover account today or this weekend will know before the transition.

With everything switching over this weekend, I can't seem to get any help with suspected fraud on my account. Over $1k in charges that I did not make. Any advice? If I wait until next week when I can log in thru capital one, can I still dispute the charges? Called the support number, and they said to call back next Tuesday.

I recently got approved for a credit line increase!! This might be a stupid question but what does the underlined part mean?

Hey, I already have a Capital One credit card, so I use the Capital One app regularly. Will my Discover card be added to my existing account? How will that work?

For context:

I tried to use Zelle to send money to a relative. After authenticating via a SMS with a 6 digit code. I am asked to provide my ID. I follow the steps and the camera never opens on the mobile browser...

Anyone having this issue as well?

I already tried several mobile browsers to see if that was the issue and also used WiFi and/or 5G Data.

Thank you

The 5% for this quarter includes the “entertainment” category. Can anyone confirm if Ticketmaster purchases are categorized as “entertainment” for the Discover card to get that 5%?

My spouse and I both have our own separate discover credit cards/accounts. My card transitioned in July to capital one, and everything went fine. His will transition October 19th. My question is- he has me manage his card, including using my mobile number for verifications/text alerts etc. I of course use my number for my own account too. Will that mess anything up for him(me) making and accessing his new capital one app? Does he need to change it to his number now in the discover app before it transitions? I've heard that it could cause issues with accessing and setting up his online account with capital one, so I'm looking for anyone who's been through this and knows? TIA

In comes an email from Crapital One: "CONGRATS! Redeem $45 on us. You earned it!"

Now, honestly, $45 isn't that much since Covid inflation, but I already have Discover set up in my Amazon account, so as a bonus just for clicking an email, that's nice.

Guess what? They need me to install some crapware browser extension before I get my #45.

I've been a Discover customer for 18 years and this is how they reward me.

Back in June, I enrolled in a 3-month payment plan where they said "If you make all 3 monthly plan payments on time, your plan will be complete and your account will be current." I completed the plan in September, and a week later, received a "congrats!" email, and even a "back on track/current" email from CreditKarma.

Within 24-48 hours of these emails, the account status was past due again. I still have no idea why. But on their site, they offered a 12 month program that massively cut the APR, so I took it because honestly it would help. Anyway, now my credit report keeps saying that my payments are late and maybe this can be disputed (per capital one rep), but it doesn't explain why the account itself is past due again when it said it would be made current after the 3 months? I know for the 12-month plan, it wouldn't be current until that's over so Idk if that screwed up the status of completing the 3 month plan. It's odd because looking at the statements, September is good and October was back to bad. I don't use this card anymore as I'm just trying to pay it off. Customer service always seems to be just as confused as I am. Sorry if I'm also confusing you, I'm trying to figure out if i need to make this (large) extra payment.

Hey guys I submitted a payment to Discover yesterday and I thought I did it after 5:00 pm. so I didn’t put the money in my checking account since I thought that it wouldn’t Post on the next day since I did it after 5:00 PM. i got an email saying it Declined. Will it try again on the next day to take the money out or do I have to call customer service to reauthorize it?

I opened a secure credit card last year to boost my credit. On July 21 I received an email stating my card is being changed from secured to standard and I was issued a 200 dollar reimbursement check which I never received. I called and I was sent another check for 200$ dated 8/17. I received and chashed that check. Instead of this check being security deposit reimbursement check it was somehow incorrectly processed and created a 200$ bill on my account which was due 10/13. I had not used my card that previous month and had nothing due so I was not paying attention to my statements, so I never saw this.

On 9/6 I received an email saying my check from July was unchased, I also had just had a charge rejected. So I called and told them about the second check, receiving and chasing it and the issue using the card. I was told it is was because there were still two outstanding checks and the one from July needs to be stoped. It could take up to 14 business days maybe more for that to happen. Than I would have available credit again.

On 9/23 I received that same unchased email and still had no available credit. So I called again and explained the situation. I was told by both a rep and supervisor that it had not been 14 business days so I need to wait for the check. Informed than I had already received a second check and chased it. Also, that it was my understanding the issue is the check from July had not been stopped. I understand it had not been 14 day but if it was in the process I would think I would not still be receiving the email about the check from July. I was ultimately told they see the notes from the call on 9/6 but there was never a stop issued for the check. They would now do that and it would take 14 business day maybe longer for it to happen and there was no other way to help me. I again had to wait.

On 10/6 I received the unchased refund check email once again. I called once again on 10/14. The first customer service rep told me they decided to resolve the issue by sending me a check on 10/12 and creating a 200 dollar credit on my account which I should pay when I receive the check. I said I never agreed to this plan and therfore the 200 dollar credit nor was I ever notified that I now owed them money. I want a guarantied trackable shipment of the this check, a direct deposit or for it to stopped all together, the 200 removed from my account and for it to be closed. I was told none of those were an option and eventually transferred to a supervisor.

That supervisor was the first one to tell me 200 charge dated back to the incorrectly processed check from August which was the reason for there being no available credit (not the outstanding check from July). I asked her for the same three possible resolutions, a more secure trackable payment of the 200 or just stop the check, remove the charge and close the account. We went back in forth over there being absolutely no resolution to the issue other than waiting for the check that she said was started processing on 10/12 but could not verify it had been sent out yet. I eventually asked for an email with her notes and confirmation that I am not at fault and can not be accountable for late payment until verification of receiving the check and I cash it. She said she had no ability to email at all nor was their anyone above her who I could talk to or help resolve the situation.

So I am now in the week of this Capital One transfer, I am late on a 200 dollar payment, there is still a 200 dollar check with my name on it out there somewhere that has not been stopped, I have no confirmation other than the phone call with these two ladies that a check is coming, nor anything in writing documenting the issue other than the uncashed check emails.

With no documentation I don't know what will happen when the transfer happens. What detail will be seen other than I owe 200. I could pay this 200 and never get my money back. If I don't pay it, they will report me. I am wondering if you all have any suggestions?

https://imgur.com/a/URfKVj5

Refer to the link to see what I got in the mail. I am just checking with the overall community what you all think about the Discover IT 5% cash back credit card?

I’m by no means a CC guru. My primary card is the Costco Visa but this offer got me thinking.

What are your thoughts ?

I'm trying to understand how credit cards work. I have a Discover CC that only has a $200 limit. Anytime I try to increase the credit limit it gets denied. I have a 715 credit score. I feel I should be approved no problem. I was told I was not paying my CC off correctly from someone on reddit. I would Max my credit card out, get the bill and pay it off and somehow I got ahead and I would always have a zero balance due even after paying it off. So it would show that my CC always had money on it which kept my credit score high. Apparently I need to keep my credit card maxed out and then pay the bill when it's reported as maxed? The only thing i don't like about that is i always have a low credit score now. And after 3 months of doing this I'm still getting denied a CC limit increase. Do I need to have my Credit score high when I try it again? It's driving me nuts.

Hey, does anyone know how to get the student discover card through a referral link. whenever i try i only get a different cashback option. it would be my first one!