Discover Customer Service Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Updated on Tuesday, November 28, 2017

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These days, financial companies need to have impeccable customer service. Not only are there a significant amount of competitors, but consumers now go to social media to air their grievances. With this in mind, it’s important for financial companies to take the time to listen to their customers and serve them well.

One financial company that has a particularly good customer service reputation is Discover.

Discover’s customer service reputation

Discover has an award-winning customer service team and is known for high customer satisfaction rates. It has won numerous industry awards and has been in the top rankings on several customer satisfaction surveys in recent years. It ranked high in several studies, multiple years in a row, which indicates a continued dedication to customers.

Below are some examples of recent praise and awards Discover earned:

  • Discover ranked the highest among 10 credit card companies in the J.D. Power 2016 U.S. Credit Card Satisfaction Study.
  • Discover ranked second-highest among 12 credit card companies in the J.D. Power 2017 Credit Card Satisfaction Study.
  • Discover was named the leading credit card brand, along with American Express, in Brand Keys’ 2017 Customer Loyalty Engagement Index.
  • Discover Bank ranked second in customer satisfaction among nine U.S. direct banks, in the J.D. Power 2017 U.S. Direct Banking Satisfaction Study.
  • Discover Card’s mobile app was ranked first among nine credit card apps in the J.D. Power 2017 U.S. Credit Card App Satisfaction Study.

What’s impressive about this list is that Discover wins awards in multiple categories. Not only does the financial industry recognize its excellence with credit cards and banking, but it also gets top honors in new customer service categories, like with its mobile app.

How Discover compares

Although Discover ranked the highest in customer satisfaction with credit card users in J.D. Power’s 2016 rankings, it came in second place behind American Express in 2017.

Still, Discover has several standout features when compared with other major financial companies, especially with its app. You can communicate with Discover’s customer service team through the app 24/7. Another noteworthy feature is that you can “freeze” your account through the app if you lose your card. Discover also touts its 100 percent U.S.-based customer service, though the effect that has on the bank’s customer service quality is hard to measure.

Also, Discover is what’s called a branchless bank, which means there are no physical locations. Among branchless banks, Capital One 360 ranks the highest in customer satisfaction, whereas Discover Bank ranks second, followed by E*TRADE Bank. J.D. Power noted in its direct banking study. (The rankings in this category were extremely close.)

However, if you’re the kind of person who likes the ability to go into a bank branch to resolve account issues, this sort of bank structure may not appeal to you.

How to get in touch with Discover customer service

You can get in touch with Discover customer service in the following ways:

Mail

Payment Address

Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103

Customer Service – General Inquiries

Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943

Discover Gift Cards

P.O. Box 52145
Phoenix, AZ 85027-2145

Phone

U.S. Calls

1-800-DISCOVER

Outside U.S. Calls

1-801-902-3100

TDD (for the hearing impaired)

1-800-347-7449

Live chat

In order to speak to a Discover customer service representative via live chat, you need to log into your account first on the top right of the Discover homepage.

Self-service

There are also numerous places where you can get help with specific Discover products. Find answers to frequently asked questions, redeem rewards, learn how to find out your FICO score and more at the links below.

Make payments, register your account,
report a lost or stolen card, activate your card, get a cash advance,
live chat, call 24 hours a day

Read content about credit card tips, credit health, saving money,
debt management, credit scores, budgeting, and more.

A homepage that lists several different ways to contact
Discover to talk about their banking products, like opening an
account or reporting fraudulent activity.

Use this page to access financial calculators, learn how you can use
your home equity, find loans and rates, and of course apply
for a home equity loan.

Use this page to log into your student loan account and email
Discover specific questions. You can also use this page to pay your
student loans, learn how to apply for student loans, and access student
loan calculators.

Use this page to find out the types of personal loans Discover offers.
You can also access resources, calculators, make payments, and see
if you qualify for a personal loan in just a few minutes
(with no impact to your credit score.)

This page leads to the same general “Credit Card Help Center”
page mentioned above.

You can use this page to get contact information related to
Discover gift cards. You can also activate the card, check your balance,
and see a list of FAQs.

Discover card options to consider

Discover has several different credit card options to consider. Below are some of the most popular Discover it cards.

Additionally, there is significant protection for shopping and purchases. For example, Discover covers your purchases up to $500 if they are stolen or damaged. It also offers extended product warranties and will refund the difference if you find a lower price on one of your purchases elsewhere within 90 days.

Discover it® Balance Transfer

This card is best for people with good credit scores who want to get out of credit card debt. Keep in mind you cannot transfer a balance from another Discover card to this card. You can read our full review here.

Discover it® Secured

This credit card is for people who have no credit or bad credit. The card stands out from other secured cards in that it offers rewards and automatic account reviews after eight months, to see if you can “upgrade” to an unsecured credit card and get your deposit back. You can read our full review here.

Discover it® Miles

The biggest benefit is that you’ll earn 1.5 points on every dollar you spend, which you can use toward travel. This card is best for those who love to travel and would rather all of their points go toward that. What sets it apart from other popular travel credit cards is that Discover will match ALL the Miles you’ve earned at the end of your first year, automatically for new cardmembers. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.

Discover it® chrome

This card is similar to other Discover cards except it’s perfect for people who enjoy dining out. Discover will give you let you earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically. Plus, for new cardmembers, Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.

To see other types of Discover credit cards and find the one that fits you best, check out all of the Discover cards, which includes student cards. Don’t forget you can also get your FICO® score for free.

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