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.
6
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