What they should have given me for my loyalty was a better credit line. My credit is excellent yet I only have a 5,000 limit with them and I recently applied for another Discover Card for a 0% Balance transfer offer which did not help at all. They told me I would have to split my old line of credit in half for $2,500 to make it even lower. A Balance transfer of $2,500 is nothing compared to what other card issuers give out.

It seems my loyalty to Discover is not doing much for my side of things. This is telling me I will use them a few months for this BT offer then cancel EVERYTHING Discover. I am not only frustrated with Discover but am insulted with my income and credit history being Excellent they cannot give me more than $5,000 limit. I get to carry around a card that looks like 1986 with the black and orange but not reap the benefits of being a long term Discover card holder?

My message to Discover card is to pay attention to your cardholders if you want to be around another 25 years. There is a reason you are the underdog it is because you barely give us a credit limit to stand on and while we are going through hard times as a country you need to step up the game. If you want to compete with the big dogs such as MasterCard and Visa you have to offer something more than UP to 1% for your loyal cardholders. You need to offer something better than a redemption level of $40 if you want cash which is worse than American Express. Your card was exciting back in 1986, but now it offers nothing to stand out from the 3% offers, 5% offers, and FULL 1% offers.

Discover now is making you wait until you get $50 in reward to get cash back instead of the $20 previous.  This is more than double the increased time to have to wait and to have to make more and more purchases which some people may have to wait years to add up the small under 1% payouts from Discover.  This is a sad change to Discover policy that recently changed.

I have been with Discover Card for over ten years now and never have they pulled a fast one on me like this.  The fact that I could go online and redeem my $20 to my account was the ONLY reason I had a Discover Card instead of a Citi ThankYou or a Chase Points card where there is much more hassle involved.

The customer service rep acted as if we could earn more in their shopping mall called ShopDiscover.  ShopDiscover is nothing more than a site where they get paid the more you buy online from the links they send you.  EVERYONE has one of these now including Chase and Bank of America Add It Up.  This service is similar to Ebates and online shopping malls with the airlines.  This is certainly not the answer to the steep increase of redemption at Discover Card.

My friends, family, and co-workers will all be in shock when they sign into their account online and find that they will no longer be able to redeem cash at $20.  Of course, there will be the $20 redemption of gift cards that no one wants for these companies that are all going out of business like Red Lobster (I mean really?).

Call Discover at 1-800-347-2683 and complain.  Get this changed now!!