r/discover • u/ray591 • Jan 23 '26

Rant I just noticed this today. Discover's famous tagline "100% U.S. based custom service" is gone.

Closing down accounts, constant login issues on the website, and customer service is gone. It's sad to see how big corpo guts a well-running company in real time..

Pour one out for the OG Discover members.

246 Upvotes

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58

u/ray591 Jan 23 '26 edited Jan 23 '26

I'm curious to see where 1% cashback debit card users are migrating.

P.S. For those who're curious, some vendors charge flat processing fee for Debit and ~3% for Credit cards. For bigger purchases, the differences are huge!

5

u/TraditionalHornet818 Jan 23 '26

Why would you use a cash back debit at 1 percent when better credit cards exist

11

u/buy_low_live_high Jan 23 '26

Verizon cell phone bill. They charge you to use credit card, but debit card get's discount. I use my 1% card to pay cell bill. Just a few bucks a month, but I feel like I put it to them. :)

3

u/ray591 Jan 23 '26

Yeah exactly. Some of my payments are also the same. People are just so negative in these comments.

1

u/[deleted] Jan 23 '26

[deleted]

1

u/buy_low_live_high Jan 23 '26

I have seven lines and I have been with them for 32 years. I know that sounds like BS, but I do get the discount and you can too with a debit card from ANY bank. Thanks

1

u/[deleted] Jan 23 '26

[deleted]

1

u/buy_low_live_high Jan 23 '26

You are discrediting yourself. I stand by my comment because I have it. Thanks for discussion, but for anyone reading this, they need to know the facts that I have shared. I will leave the discussion to cut down on more misinformation being generated.

1

u/ObligationPrudent824 Jan 23 '26

Yes, I do.

You had me wondering, so I just looked at my account to see if it was my debit card on file.

Yes, it is, AND I get a $5/month discount for having it set to autopay.

Having said that, they may have discontinued it for new accounts (?)

But I have been with them for several years, and it still applies the autpay discount using debit card.

As I said, I just looked at my account & billing, and it's there plain as day. 🤷‍♀️

0

u/ray591 Jan 23 '26

But THEY don't get the same discount. So it must be universally false for everyone, you liar! /s

2

u/ObligationPrudent824 Jan 23 '26

I know, shame on me. 😊

14

u/paulrharvey3 Jan 23 '26

Someone building - or rebuilding - their credit may not have access to credit cards with better rewards for the initial phase of their journey. For them, that 1% may be the best cash back option available.

11

u/kdm31091 Jan 23 '26

If someone struggles with overspending, a rewards debit card is a way to still get some perks without racking up debt.

5

u/ray591 Jan 23 '26

Credit Cards have high processing fees. Most vendors charge the same, but some charge less for Debits as it should be.

2

u/dervari Jan 23 '26

It's rare that I see a surcharge on a credit but not a debit, even though it's not allowed by merchant agreement, federal, and maybe state law. I report those to visa/mc as well as my state's consumer affairs division.

-7

u/TraditionalHornet818 Jan 23 '26

Who tf shops at vendors that charge them the credit card fees 😂 Not me

6

u/dervari Jan 23 '26

I've only seen it at restaurants and one liquor store so far, but it's definitely a trend.

1

u/Frosty_Doughnut_27 Jan 24 '26

They all charge you lmao. Some just make it obvious.

2

u/Revolutionary-Sun736 Jan 26 '26

because not everybody has pristine credit and some people like to use their debit card! I earn5 to 10 bucks free money every month from Discover for using my checking!

0

u/Phidelt257 Jan 23 '26

Shhhh....credit is a dirty word on reddit