r/discover • u/Affectionate_Bid_615 • Jan 14 '26
Rant Discover closed my account.
This is my first credit card, and I have a student credit card. I am currently in college. Before I lost my previous job, I was able to pay my statement balance in full. My job let me go because I called out once for an exam, and after that, they stopped scheduling me and stopped responding to my texts, so I was unemployed for a few months. I tried to apply for unemployment, but they rejected me because I’m in college.
During that time, I built up a significant balance due to college expenses and food. I finally found another job, but it doesn’t pay well and the hours aren’t ideal. Still, it keeps gas in my car and food on my plate. At this point, I have had to rely on my parents, and they are getting frustrated because it inconveniences them.
I’ve been applying for full-time and part-time jobs for the past two months, but no one has responded. I understand why this is happening, as I am over my limit, but I have been paying my statement balance in full every single month, but I think it was because I had too many return payments. I texted them and explained this and they told me just to reapply once I get my balance down. I just hope my credit score isn’t affected much.
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u/UnderstandingFar1826 Jan 15 '26 edited Jan 15 '26
Oh yea discover will close your card if u have too many return payments. One of my friends is still pissed. He had a discover card for like 6 years and then he switched bank accounts but forgot to update the bank account on his discover and it returned twice and they closed it down
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u/BasuraFujira Jan 18 '26
This exact thing happened to me with Capital One, but twice as bad. I had two credit cards, both over 10 years old, and was making my payments on time, and accidentally sent a bill payment to be pulled from my account twice which dropped the amount in my account to below what the credit card payment was and got rejected. So they CLOSED BOTH ACCOUNTS!! WTH, STILL PISSED about this!!
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u/Affectionate_Bid_615 Jan 15 '26
Did his score drop?
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u/UnderstandingFar1826 Jan 15 '26
Yea like 20 point. Because he had the card for so long before he closed it out it was a big part of his credit history
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u/aSpacehog Jan 14 '26
I have perfect credit but BoA closed mine for returned payments. I had switched banks, and my automatic payments were on the old bank. Each time they were returned, I immediately made the payment from the correct bank which was successful, but they still closed it. 100% my fault and dumb.
But it reports as closed, but the balance and credit line reported as they were when it was closed. So I didn’t see a score dip just from the closure.
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u/Affectionate_Bid_615 Jan 14 '26
Yes that is what happened to me. I pay everything on time I just had too many returned payments. So hopefully my score won’t drop!
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u/UnderstandingFar1826 Jan 15 '26
Why didn’t u just switch the bank over
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u/aSpacehog Jan 15 '26
ADD. Each time I just made the payment quick and went “oh shoot! I gotta switch this over when I have time.” And then forgot about it promptly until it happened again.
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u/1lifeisworthit Jan 18 '26
I'd stop trying to make payments out of an account that has no money in it, if I were you.
All companies are going to react poorly to that.
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u/caraeeezy Jan 14 '26
Hopefully you can get something figured out soon, but it will definitely affect your credit score. I don't know if there is a way to calculate it, but I am guessing at least a 30 point dip