But now I am fighting with Discover. I received an offer in the mail for the More card as well, with 0% on balance transfers for 1 year. I went online and applied. In the process, Discover asked me if I wanted the More card for cash back, or one of its other products, so I selected the Miles card instead. What they didn’t tell me was that the balance transfer offer was different – only 6 months. When I received my credit cards, I reviewed the information and realized this. I called Discover, and they explained this. They issued me the More Card and my balance transfer offer was reset to 12 months…..or so I thought.

The finance charges started appearing in January. I called Discover, and they first said my 0% switched from balance transfter to new purchases after I made a few charges to the card. But my rate for purchases is the same (11.99%). Now they claim they never agreed to reinstate the 12 month interest free. However, they admit they have on my record all of the detail, except they say they declined my request for 12 months interest free. It’s unclear whether they declined my request before or after they reissued me the More card since they refuse to tell me this fact. Instead, Discover has refused to help me until I fax them the original offer that they sent me in the mail 6 months ago. I will let you guess whether I still have it or not. Needless to say, as James and Peter put it, it’s a character-builder moment.

A word of caution to you all.

Frank

Sometimes…just sometimes…it doesn’t matter! I had a similar problem with BofA, got into a fight with them and just shut the account.

Did it ding my Credit score, probably, but I felt GREAT! Then I felt even better as their stock slid to sub-$4!

What was wrong with leaving it open and saving its credit history and allow for more utilization?

For someone who despises credit it must have been very useful to you.

Freudian slip?

I know that glorious feeling of sticking it to them (BoA)! These companies just take advantage of us when they have us and then suddenly they fall all over themselves when we have them!