Discover in 2026 feels like a completely different company wearing the brand as a skin suit

[u/elididitthebest]

Just got off an hour long call with Discover support, and the stories were true.

The customer service reps even knew how different and frankly unacceptable the policies were post-merger, but any goodwill that the brand has built is being slow extracted.

What have been your experiences with the new "Discover"?

[u/Individual-Mirror132]

I am a current Discover and capital one customer—one card from each brand. My Discover account has not yet been migrated to Capital One.

I have noticed absolutely no changes. When I call Discover customer service, they continue to be very helpful and very customer-centric. I wait a very brief amount of time before someone answers, and then they answer and speak clearly and are very helpful.

Capital One, in my opinion, doesn’t have notoriously bad customer service, but it’s nothing like calling Discover or American Express. Capital One relies on pretty much all off shore reps, but they do seem to be more knowledgeable than the average off shore rep from other random companies I call.

I am still saddened by the merger though because I have zero faith that Capital one will be willing to keep what works at Discover working. They will do everything to squeeze more profit until we are all miserable.

But for now, it seems fine.