Discovery - Lack of communication channels.

I love the concept of Discovery bank and shared value banking - But you really DO need to open more that telephonic queries for support. No one wants to spend hours on the phone at their own expense to lodge a query or invalid miles allocation. Which results in clients frustration and no faith in the system.

Another option which I highly encourage is to clearly indicate on promo's which department within the Discovery platform is responsible for the promo. I on multiple occasions have been passed from one department to another just to eventually get so frustrated with the entire company to hang up and fight another day.