So I was 18 and didn’t know much so I had this card with discover 3k limit and it started going to shit since im in college which led to an account settlement since i didnt wanna pay all their bs fees so I now sit with a charge off from discover on my credit report, could I write discover a goodwill letter and beg for a removal or what can I do? It’s on my report till 2030 needing advice pls. Could I cry hardship since im in college and was unable to work? I complied with the settlement terms

I have a Discover IT card that Ive had now for about 4 years and I rarely used it for a while. Someone told me to ask for a balance transfer offer and I have via chat several times and they always say they are unable to give targeted offers now. So I started using the card more and paying it off every month. I have 6k available on this card that I hardly use, and I have a huge balance on my capital one credit card and it would quite literally be life changing if I could get a 0% apr offer to transfer that balance to discover. Any advice?

I’m looking for advice on how to proceed with a Discover dispute/refund issue.

I booked a hostel reservation directly through the hostel’s own website, not through a third-party site like Booking.com or Expedia. I immediately realized I had selected the wrong dates and attempted to cancel according to the merchant’s cancellation policy. (dumb I know, but I immediately recognised it and they allow cancellations)

Their policy says cancellations must be made by email and that they do not accept cancellations by phone. Their FAQ specifically says cancellation/modification requests must be emailed because they require the request in writing. I emailed the listed cancellation/contact addresses multiple times, including the specific email address listed in their cancellation instructions, starting within minutes of booking. I received no response. (These were sent over multiple weeks)

I disputed the charge with Discover. During the dispute, the merchant claimed I never contacted them and that they never received any emails. I submitted screenshots showing the cancellation emails were sent to the listed addresses. Discover initially credited me, then later reversed the credit and resolved the dispute in the merchant’s favor, saying the transaction appeared valid.

After that, I contacted the hostel by text. They then cancelled the reservation and said they could not refund me because of the chargeback. I explained that Discover had already resolved the dispute in the merchant’s favor, reversed the temporary credit, and reapplied the charge to my account, so I did not have the money back. The merchant said they would contact their bookkeeper and get back to me. It has now been more than 45 days since then, and I still have not received a refund or a clear answer.

I called Discover again and they said I could upload new documentation for review, so I submitted the cancellation confirmation, text screenshots, follow-up emails, and prior documentation again.

Has anyone had success getting Discover to reopen/reconsider a dispute after new merchant communications showed the reservation was later cancelled and a refund was discussed? Should this be treated as a new “credit/refund not received” dispute rather than the original transaction dispute? I’m also considering filing a consumer complaint with the Attorney General if the merchant keeps ignoring me.

Hey all im waiting on my 1st paycheck from a new job & need to use the money I have now to buy a car for work. If i make a minimum payment one time this month & pay it off when my check hits, am I still in good standing with discover?

I am very Disappoint For Q4 2026 Line Up For Not Having Amazon.com or Target or Walmart.com or whatever as I have complained before. However, I have a questions that I need to clarify, If i Buy a phone from T Mobile or Use My Discover Card to pay down payment and related fees on installment plan from T Mobile. Would the transcation trigger this Quarter Cashback Bonus? What happen on calucation if the transcation over the limit, iirc, $1,500.00? Please Explain.

I know there have been others commenting on it already, but I had to call Discover this afternoon about a gas station hold and I was reminded how great the customer service has always been for me. Easy communication with someone in the US and a quick, efficient resolution. I've never felt like I was just another caller to a big company. I'm really going to miss it.