Beware of Discover's offer for 0% balance transfers. I was aware that there is a charge for balance transfers. However, I was surprised to learn that my minimum payment would be approx. 2% of the amount owed plus $40. I never encountered, on any credit card that I have, a $40 charge in addition to the 2% of the amount owed. Speaking to customer service reps or supervisors is talking to a wall. I was told that I was sent literature on this, but I did not receive it. And, by that time, the transfer most likely already went through. I am on a very limited income. Although I make more than the minimum balance on all my cards, it should be my choice if I decide to make the minimum only, should in that particular month my real estate taxes, car and /or home ownes insurance is due and I need that extra money. When you are on a limited income, $40 is $40. I can see where people get disgusted with banks and stop paying altogether. However, I end up paying for them in the end. And, so do you!

I have a charge on my Discover for $17.94 on 4/18/10 for Payment Protection which I did not agree to.
When I called to get it off of my bill I put in my card no, zip, and SS no 3 times before someone answered
who asked me the same again and said she could do nothing about it. This was at least 30 minutes of my
time. I have been using Discover as my main card but if this is not cleared up I will cancel it.