Never had a Discover card, never really knew where you can use them. They have a gas card I found thru creditnet, but I don't know if any gas stations take them? Never noticed. anyone have any comments?
Discover card can be used just like a VISA or MC in many and or all of the same places that take such. So having a Discover is not a bad thing. Woofer
Be careful if you carry a balance. They use (or did, I guess they still do) 2-cycle billing. That more than eliminates any rebate you get.
i've had a discover card for a long time and have never had any problems using it at gas stations. most gas stations will accept discover if they accept visa/mc/ae. 2-cycle billing won't effect you much if you're using your credit card for gas purchases and will be charging to your card each month. i love the cash back the card offers, too!
2-cycle billing means the interest is based on the previous month's balance as well as the current balance. You can end up paying interest on something you've actually paid. I don't remember all the computations right now.
I rather not deal with 2 - cycle billing. Discover cards are not worth it to me to carry one. I have mastercard and visa through my bank on a debt card so that is all that matters to me. I don't use credit cards any more just debt cards.
I pay at the pump with my Discover all the time and I've never had any issues from it not being accepted at any gas stations. I have been to a couple fast food places who didn't take Discover though.
Discover Gas Cards Well, I just fell for it and was suckered by some Rewards Ad at a Shell Gas Station which I usually either pay with my Debit Card or my Master Card @9.9% no Reward points, but Thanks to some some scum bag Rep. Agent who led me to believe that a past BK7 in 2002 and perfect credit since would not hamper me not only turned me down but added another unnecessary inquiry in my file which I didn't need or want. All the information was discloslosed to him before going through with this he should have just told me up front I was not qualified and not screwed me! TransUnion 683 Equifax 696 Experian 702 fako 709
I got approved today for one. They sent me a pre-approved letter. Fico Scores as of today: TU--682 Ex--703 EQ--690 All my bad credit fell off, so nothing but paid on time accounts. I have a federal tax lien that has since been paid also. that still shows up for 7 years.
I just got approved for a Discover More card and received it yesterday. FYI, in the little terms book they send you, it tells you how to reject arbitration by sending them a rejection letter, but you have to do it in the first 30 days. I'm going to send the letter to them tomorrow.
Re: Discover Gas Cards Discover is OK if you watch your activity with credit cards like a hawk. Discover will screw you if you don't pay attention. Their pay by date is only 5 days from when your new statement is issued. So when you pay your bill, I suggest you not wait until the due date. Why.... Ok, here's why. My partner has a Discover card, and the posting dates were 8 or 9 days after posting a payment online. Unacceptable!! She would have been late every time if posting a payment on the due date, thus incurring another late charge. I threatened Discover with reporting them to the Comptroller of the Currency in Houston TX. I then sent in a $1 payment to see if there was some sort or reaction to my threat. The posting dates suddenly went to 4 days, if within compliance. Their website also states posting would be within 3 to 4 days, so in essence, by posting 8 or 9 days later, they were in violation of their own terms. BTW, you can write a detailed letter of your issues with any institution that is chartered to the Comptroller of the Currency. Do a Google lookup. These institutions DO NOT want to hear from the CofC. They will bend over backwards to make you happy if you have a valid complaint, or if it appears the institution is not listening to you. You can also complain to the CofC about double billing. I did, when a bank said I owed 'X' and I paid it. I made a copy of the zero balance due. Then the bank said I owed more. I challenged that because they said I had a zero balance. They chose not to listen. I wrote to the CofC. The bank's excuse was that the interest charged was for the period of when the statement was issued up to the time payment was made. Using this logic, this could go on into infinity. The bank rescinded the payment, I again went to a zero balance, and I've never used that card to carry a balance again. Can you spell citi? You have got to watch every statement you get from everybody. I noticed that my employer took $50 for something I paid cash for. I now have to wait until next payday to get it back.
Re: Discover Gas Cards @Hardass- so are you saying that after your partner would make a payment online it would take 8 or 9 days to post to his Discover account? I've never had this issue before. If you submit a payment to Discover online before 5 PM EST on the day of the due date, it's considered on time. That's how it's always worked for me.
I have a Discover card, and I have run into issues with smaller merchants not accepting Discover. I have never had a issue with gas station. I am going to have to check out the 2 cycle billing. I don't carry a balance on my card but I might be paying interest without even knowing it. There are many different card with rewards or cash back. I would look into one of those instead of a Discover. Thank you! Heather with BoostMyScore.NET
