I received an offer from Discover Personal Loans in the mail saying I had a superior rating of 5.0 and could apply for a personal loan at 7.99%. I was denied the loan because of high cc balance (I only have 1 cc - that is Discover) and was attempting to use the loan money to pay off (completely) the Discover cc. This is truly a scam when I can't even pay off their own credit card with their own personal loan (seems like the same thing, only they don't get to change the high interest rate).

My elderly father had his credit cards stolen by a home health aide caring for him. On her 1st day working my father let her use the Discover card to buy some groceries. She returned the card the same day. She later stole the Discover card as well as 2 other cards and used his personal info to get a password over the phone. She withdraw over $1200 on the Discover card and my father was never alerted by them. Now Discover won't cover the loss because they said my father let her use the card on his first day out of the hospital.

My brother took out a discover card in my name, discover sent the card to him at his address, he paid on it out of his bank account!! When we found out we did the right thing, we called, we filed fraud charges, we filed a police report, we sent certified letters, we put a fraud alert on our credit report. Disvoer is calling us, hounding us, calling our work, calling 4 times a day every day. They called our boss so many times we were let go!! And now they found us again and we already know we will get let go if they dont stop. Actually my brother took out three cards in my name, then called one up told them I was dead so he could transfer it to discover card. As soon as we found out we filed fruad charges.Thats when he quit paying on it, but my goodness they sent the card to him at his address, they sent the bill to his home, he paid it out of his bank account till we filed the charges, and now discover wont do anything about it except hound us to the point of losing jobs!!
I blame discover after all had they done something really simple like check a name to an address I would not be in this mess, now would I discover????????? You broke us, you hounded us, you got us fired, you continue to harass instead of going after my brother! we gave you his name, his address, his businesses he wons, we asked you to check the account he was paying you from, and your answer is we dont do that, this is in your name, you will pay or we will make you pay, and take your home, and get you fired, and make you suffer for the rest of you life.
Well thanks discover we really appreciate that effort, too bad the same effort is not applied the ass hole jerk that you sent the card to in my name!!

how is anyone suppose to pay off their balances when this credit card keeps raising their rates. Mine is 30% on a balance that I have been paying on for 5 years

I was promised a 7% rate on a balance transfer from Discover. I needed a new roof, mine was leaking, so I took the offer and had several thousand transfered from Discover to my bank account. The 7% APR was suppossed to last a few years, just enough time for me to pay off the debt completely. Problem is that 4 months later they upped it to 24.99% interest instead!! I called and complained as I couldn't afford the new rate. They told me I had payed late on a payment. I looked into my records and found that I had actually payed the payment in question a full two weeks early!! I called back and complained again. They basically told me to get lost!! I tried to pay as best as I could but my husband lost his business and we were left penniless so I stopped paying and started gathering info to do a bankruptcy. However, Discover came in, one week before the bankruptcy was to be filed, with a lawsuit against me to make me pay something I cannot afford and didn't agree upon. This company is slimmy, evil and just downright dishonest. Never ever deal with them if you can avoid them. Their dishonesty and heartless cruelness is appauling.