Cancel your Discovery Credit Card now!

Discovery Credit Card is a sham! First they lock me out of all my accounts for not making a payment on the CC. Then I am unable to make a payment from my Transaction account to the CC because it is also locked for some reason. So I need to transfer money from an external bank to the CC in order to unlock it! Have you ever heard of something so ludicrous - you need to have another bank account in order to unlock your Discovery bank account.

But that's not the worst! I noticed I am being charged interest on my CC for about R300. Just for comparison, with my ABSA CC in the last 6 months I was charged about R8 interest in Total.

So I phone the Call centre to explain to me why I am being charged interest when I should be getting 55-day interest free on point-of-purchase transactions. She says it's because I missed a payment on my CC and now I am being charged interest. Not only that, my interest-free benefit has fallen away for the next 2-months. I check the T&C's and it mentions nothing about that but she insists that is the way they have been trained.

I am sorry but this feels like a **** to me! I am unable to see exactly what the interest is charged for, the call centre agent gives me a different explanation compared to what the T&C's state and regardless of all that - why am I being charged interest? If you say 55-day interest free then it should be 55-days, how does it fall away after 20-days if you didn't make a payment?

I have cancelled this product and I urge everyone else to do the same. With ABSA I've paid R8 interest in 6-months. With Discovery I've already paid R500 interest in 2-months and I don't even know why! I'm moving back to ABSA.