r/discover

Never had a discover account but today I received a letter in the mail telling me that they believe I know information about some fraud on an account ending with 4 numbers. Is that some scam? There’s a number on the letter but I figured to sorta ignore it. Not sure what to do. I plan to call the number tomorrow. Has anyone seen this before?

I have been trying to figure this out with Discover and honestly I have never gotten so many different answers from one company.

Long story short, at one point I owed over $7k on my Discover It card. I’ve had the card since 2021. I recently paid the remaining balance off in full, which was over $4k. Before paying it off, I called Discover 3 separate times asking what the process would look like once the balance hit $0 because I’m genuinely trying to rebuild my credit and improve my relationship with finances.

This was my only credit card, and I’ve also made a huge dent in my student loans recently. Ideally, I’d love to regain access to the card and rebuild trust with the account. I even said I’d be willing to lower the credit limit if needed.

I’m also currently disputing a paid collection on my credit report because one Discover rep told me that was part of the reason my card still hasn’t been unsuspended, despite 8 months of on time payments and now having the card fully paid off.

The problem is every person at Discover tells me something different:

• one said the collections on my credit report are the reason, it is now paid off in full as well.
• another said it’s because of my 2025 payment history/utilization, for some reason my old bank was not depositing my payments and messed up for months
• another said they genuinely don’t know why and said I would have to wait until my standing with the account is refreshed on June 3rd

I just feel really confused because I’m trying hard to fix my finances and it feels impossible to get a straight answer. Has anyone been in a similar situation with Discover? I just want to know if I am wasting my time waiting for answers and should just close the account and move on?

I havent used the savings account for a while so I didnt know there was no more zelle. I have to get the money off that account today, what are my options for an instant transfer now? I dont have any other discover products. Thank you for any help

I got my mom as another owner for my savings account she doesn’t have account and when I’m trying to sign her up they ask if she wants make a credit or bank account.

I’m at risk of being evicted and my new landlord wants a credit card payment specifically but I don’t have a card with a high enough limit to pay by credit card. Is it possible to go over your limit? My thought process is to use my credit card and immediately make a payment on it from my debit card to get it back under the limit if I can go over. I don’t know what to do and nobody in my family has even had a credit card.

UPDATE: thank you to everyone who replied to help me out. after talking with my landlord’s supervisor I was told that he’s also new to the business as a whole and mixed up credit card and cashier’s check when talking so all is resolved. I was also able to get a credit line increase after asking still. Thank you!

I’m at risk of being evicted and my new landlord wants a credit card payment specifically but I don’t have a card with a high enough limit to pay by credit card. Is it possible to go over your limit? My thought process is to use my credit card and immediately make a payment on it from my debit card to get it back under the limit if I can go over. I don’t know what to do and nobody in my family has even had a credit card.

Made a few purchases at these 2 stores on discover, and just realized that they earned 1%... such a bummer. I remembered HF qualified home improvement before, or that was just through chase? But Home depot and Lowe's still work tho. I don't even know whether ace hardware counts anymore.

I’m wondering if moving Savor/Venture cards onto the Discover network could change how some merchants code compared to the current Capital One setup.

For example, my Savor Mastercard doesn’t earn 3% at a local movie theater near me but does at other national franchises. I’m curious whether a Discover-network version might categorize that merchant differently and change the earnings.

It’s probably too early to know, but has anyone seen data points or noticed differences in merchant coding between Discover and Mastercard?

Edit:
To clarify, I am just genuinely curious, as I believe card issuers can decide what merchant coding is considered to qualify as certain categories. I have no gripes either way since I have other cards that cover my bases.

For those who don't know, Plaid is a third-party service that lets you connect financial institutions to budgeting apps etc. Since late March, Discover accounts have been unable to connect through Plaid, and after trying every troubleshooting step possible, I learned the issue appears to be tied to the ongoing Discover/Capital One merger causing compatibility problems with Plaid.

The most frustrating part is that this has now gone unresolved for well over a month...approaching two months, with little communication or clarity about a fix. This completely derails the ability to track Discover credit card spending in budgeting apps, which is a core feature many people rely on to manage finances responsibly. I use Rocket Money and for 2 months now, i haven't been able to track my credit card purchases or payments. It's totally messed up my budget. And I'm sure thousands of other people use Plaid to track their Discover accounts too, so I can't be the only one frustrated.

At this point, it’s honestly making me consider opening a credit card with another institution, because a card that can’t reliably integrate with modern financial tools is becoming difficult to justify using. Is this happening to anyone else?

Hi everyone. I did have the issue with Discover payment. So my payment is due 14th every month. But then I forgot to pay the full balance (which $290.98). I did sign in and saw that I need to pay the minimum payment is $35. I did pay for it and I just want to ask that how I can even pay the full balance after paid for the minimum payment? It didn't allow me to pay full $290.98 so I would really appreciated it if someone can help.

I have had this card 15+ years, but I am not looking to continue using this once Capital One takes over. My main use case for this card has been the balance transfer offers that seem to be constantly available, often with multiple offers at 0% for 12-15 months with 3-5% fee, and/or 5-7% interest with $0 fees. The consistency of those BT offers, along with the $0 fee option, is the primary use case for me.

Are there any other cards out there that come close to providing regular BT offers like these? I know that many, if not all, BT offers are user-specific and based on your credit profile. That said, I have several other cards that don’t seem to be anywhere near as consistent with their offers as Discover. Either the fees are higher or they come-and-go at a frequency unlike Discover, which has been pretty much perennially available.

I would appreciate any suggestions or feedback from other users that utilize BTs and which cards they’ve had success with.

I was looking for an answer to this question I had but didn't see anything. Sorry in advanced if it has been answered. I'm trying to see if this strategy would work.

Question/hypothetical:

What if

1. I have auto pay set to pay the full balance.

2. I manually pay my minimum payment early.

3. At the end of the pay period, auto pay tries to pay the rest of the balance but there are insufficient funds.

Do I get penalized because auto pay couldn't pay in full? Or does the minimum payment protect against any penalties?

I guess my question presumes something that I'm unsure of: are there penalties if auto pay in full is turned on but you can only pay the minimum amount? Would that be an overdraft?

Maybe it would be safest to just have auto pay on minimum and make a habit of paying the full balance manually.

Best.

I apologize if theres info already out there, i just am so lost & confused cause i keep hearing different information.

I have a Discover checking and savings. I like my Discover checking for no monthly fees on anything. I like my Discover Savings for the decent APY interest.

What will happen to my Checking and Savings? Will it automatically convert to a Capital One Checking and Savings? Or will I have to manually open new accounts with Capital One? If Discover closes for good and my accounts don’t automatically transfer over, what happens to my money? I have a ton of money in savings, should I preemptively move everything over somewhere else?

Also, if I go the Capital One route, will I still be able to have a checking account with no monthly fees? Also, do they offer Savings accounts with good APY or am i out of luck? Are there any banks you recommend besides Capital one that offer these perks?

And is there a date when all of this would happens? It seems like nobody knows what is going on.

as title, basically i want to pay off literally everything i owe every month, both for my current balanace and the last statement period all at once

Is anyone facing issue using discover it card through apple pay? Having this issue from past 60 days. Customer support not able to help me, all they do is transfer me to bunch of departments, verify that my account is in good standing and recommend me to use physical card. Transactions are going through if I use physical card or put in numbers. I even got a new card. Transactions are getting declined only through apple pay.

I may confirm if it's going to occur with the merge.

Seems complicated and frustrating. Between the credit cards going to Capital One (Discover it).

Soo.. by next year (2027) Discover may be completely out of existence just like an airline?

Ensure this is accurate or not? unsure. Was Discover an exclusive bank? The merger may occur by next year with Capital One...

What alternatives may be with cash back cards?

Edit: When I had concerns with their customer service line. I over-express the merge from last year to a redditor.

I'll also add in "out of existence" Discover may fade away or be completely discontinued or end of service (either way). Seems Discover may slowly entirely be Cap1.

Every time I use discover - their app is always down.

Its down NOW & I cant transfer money to savings to checking.

I'm so tired of them smh

For those of us who have not gotten the email, when is everyone else moving over to Discover? Does anyone know? I’m getting anxious to get that 3% on gas.

I'm collecting my interest for the month, and then im closing my Discover HYSA before the change happens to my account. Of course, the interest was credited monthly, but if you make frequent deposits, wouldn't it be technically performing worse each month?

Is anyone else switching or looking for reasons to? It's also a good excuse to evaluate your options too.

I never really wanted the merger to happen, and I only had a single bad experience with capital one where they declined me on a basic credit card for no specific reason. (I had zero credit but needed to build some) So, I might as well decline the brand for no specific reason.

End of my petty rant.