r/discover

Has anyone had their bank account (i.e., checking and/or savings account) transition yet? If so, did your account and/or routing numbers change? Also, how.much notice we're you gocen about the transition?

I have a portion of my paycheck is direct deposited into my discover accounts. My fear is that it will not get deposited. I can adjust my direct deposit information if given enough of a heads up.

Thanks for any insight!

I pay my chase card monthly with my discover savings and I'm nervous I'm going to get a missed payment or a late fee

**I do not speak or work for Discover/CapOne and these are only my own opinions and speculations and things I’ve heard via customer service**

More and more people are getting migrated with allegedly a million people getting migrated in August. Volumes have been crazy, account closures in the thousands at least, stats getting more strict, upper management getting moved around and threatening agents with termination for being critical of the merger.

They were apparently sending monthly morale surveys with results allegedly getting lower and lower each month until they just stopped sending them out.

I’ve also heard allegations of 1000 US workers getting laid off and that there’s a ton of outsourced Capital One agents working alongside the Discover agents moved over to Capital One.

Really makes me feel for the US Discover agents and interested in how you all are feeling outside the bubble of positivity they are trying to push. Really hope it all works out but it’s not looking good in my opinion. :/

TLDR: how is SoFi compared to Discover for savings/checking mainly with rates and moving money out of SoFi.

I have a lot of Savings accounts with Discover to make budgeting a bit easier.

I’m not allowed to open any new bank accounts with Capital One because of a small returned transfer over 5 years ago and I’ve since heard that my accounts will likely be closed out when they are scheduled for migration so I’m trying to plan ahead and find another bank.

I used Ally before and it was okay but Zelle would always take days for some reason and their app and customer service weren’t great.

Ive heard some decent things about SoFi but not too sure how it compares as far as rates and moving money around like that I can Zelle or use my Discover debit to move money quickly. I don’t want to run into delays or issues moving money around when it comes time to pay rent/bills.

Any thoughts or advice? Thanks :)

Hi everyone.

This month I start budgeting, and note down how much available credit I have left after spending something using my Discover It Card.

And I found that after spending on gas, it says $1.00 hold, but it actually lowers my available credit corresponding to the amount that I spent on gas. After 2 days, it released the hold, instead of $1.00 it becomes $49.32 (amount I spent) and it actually charge $49.32 one more time.

Because my Statement Balance is about to update, I only use my card for gas, and about to pay it off, so I was really careful of how much I owe. I contacted Discover but they answer the same thing as any other post.

May I ask if what I am saying is really confusing? If you understand what I am explaining, can you please let me know if this has ever happened to you?

Update: I just checked the spend analyzer and saw that the Kroger fuel I made is listed as...gasoline. So I "think" it is going to count towards the 5%.

We buy most of our gas at Kroger. It says "Kroger Fuel" on my account but the Discover disclaimer says it may not be eligible at supermarkets. Anyone know if Kroger fuel does get the 5% back? I know, it sounds like it should but I'd like confirmation 😁

Discover was my very first credit card.

I enjoyed the rotating categories and cashback. I bought a bunch of awesome things along the way. I loved the retro eighties look of my card.

With the pending move to Capital One, I'm taking it as an opportunity to shop around for a new line of credit. I was really disappointed that Capital One isn't treating us like new customers, but just shuttling us along without offering us any reason to ride along.

Discover card owners are a unique bunch, given that many of us held this card before it was widely accepted and have grow alongside it.

Don't underestimate the value of a transfer. Don't underestimate the value you have as a consumer/customer. I've found a great deal and I'll be closing out my Discover account as soon as I get my new card.

Discover, it's been real but it's time to move on.

I woke up to this refund from what I'm assuming (if it's real) is TicketMaster. The issue is that I haven't used TM since October 2025. I DID sell the tickets back then and don't remember getting the money. I wrote it off as a lost cause and looking into it, can't find any cases of them taking 8 months. I just don't know if it's that or if I should report it.

I submitted a dispute on May 28 for a pair of headphones that failed to get refunded to me. The merchant, Globale Electronics SA submitted a rebuttal 12 page form basically making in false accusations saying they never received the item. I have UPS tracking proof the item was received and an agent confirmed they received this in the warehouse.

Discover originally ruled in the merchant’s favour. I resubmitted the UPS tracking evidence, screenshots of the item and also the email from the agent. I doubt Discover looked through this. They just said “we’re unable to change the outcome of this dispute.” I no longer have the item and am down $1620. How do I move forward with this legally since even Discover does not want to cooperate?

Just had two different chats with customer service and they both said I'm banned from redeeming for anything but Statement Credit and can't tell me why.

I just (finally) got my email that my Discover card will be moving to Capital One in August. part of the email, as well as the FAQ page says if you have an account with both you can manage them with the same login in the Capital One app and more information will be provided closer to the date.

Great! But now I have logistical questions. I use different email addresses with each card. I’m hoping that type of future info will in fact answer the how-to questions.

Is there anyone who’s had both and had their accounts moved? is there something they tell you to do to get them both to work under the same C1 login?

Hello this is kind of embarrassing because I let my situation get this bad but now I don’t know what to do.

I have a credit line of $10,400. But my current balance is $10,540. So available credit is -140. I make my minimum payment every month of about $250. I DO NOT use this card anymore so the only transactions are my monthly payments. But every time my statement comes out, the balance goes back to where it was with negative $140.

I’m sure I need to start making bigger payments but how much does it need to be to start chopping away at the actual balance?

I've used Discover for years now but lately, I have not been impressed with them. Their customer service used to be fantastic but now it's just not great. I've been thinking of cancelling this card for awhile because I don't really see any benefits to having it and their customer service is not what it once was.

However, I wanted to get a Capitol One Venture X card for travel purposes, so I'm wondering if I should keep Discover and have both with the merger? Is there any benefit to having both? Or would I be okay cancelling Discover and just having Venture X?

I'm researching debit cards and would love to hear and have real customer experience and knowledge.

Feel free to add anything related, if you struggle then you can use the questionnaire below to help structure your answers.

1. Which DB do u use?

2. What is your favourite/worst or some of your favourite features and why?

3. What feature do you use the most?

4. What makes it better other DC youve had?

5. What frustrates you about it?

6. Have you ever switched banks because of DC features and/offers?

7. If you could add one feature to your DC, what would it be?

8. Whats the one thing your DC does that you wish every bank offered?

9. Anything else or any other DC that interested you and why.

I have a balance of $22,100 on a $22k credit line. I will omit how or why we got here, but this is where I’m at. I’ve never been late on my monthly payments, not matter how hard it’s been to make them. I’ve called Discover independently. I went through two low interest programs already. I’m working with a financial counselor. We called together yesterday. They are not willing to offer any other programs or settle unless I default on my payments. I’ve never done this before. I have good credit right now and I’m scared to go this route just to try and negotiate the debt.

I’m wondering if anyone else has been in this situation before. Would you recommend defaulting for 60-120 days? Putting money in your savings instead? My financial counselor says Discover isn’t doing anything for me now. At this point I am paying the minimum ($446/month) which is just about all interest. The balance has been this way and will stay this way until I’m able to pay more—which I can’t. In an ideal world, I would close the account and pay around $200 a month until it’s resolved. Any tips?