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There are a few things to know about Discover cards.
1st, they are very proactive about security, if your card was used at a store that had a breach during the time period it was used there, they will automatically cancel the card and issue you a new one. Yes, it can be irritating at times, but it is much easier than dealing with fraudulent charges.
2nd, they have different bonus categories every couple of months, currently it is gas stations and convenience stores (next month it's Amazon and department stores, looking forward to that one).
3rd, I have a Discover card.
Now, onto the story.
Me: Your total is (I honestly don't remember).
SC: *swipes Discover card*
Me: I'm sorry, the card is coming back declined, it looks like Discover has blocked the account.
SC: How is that possible?
Me: Well, Discover has a policy that they automatically close and reissue cards to people who have used their card at a place that has had a security breach, it's possible that you used your card at somewhere with a breach and they have already started that process.
SC: Well, I never reported it to Discover, try it again, I know it has to work, I just got it.
Me: Ma'am, I'm sorry, but the register won't accept it, that is one transaction failure message that has no ambiguity to it... kind of a shame too, would have gotten five times points on the transaction too.
SC: How the hell do you know that? Does your register show you that?
Me: No, I have a Discover card myself.
SC: That's not possible, poor people can't have Discover cards, that's why I got it.
(and this is the point where she crossed from brain fart to sucky customer)
Me: Umm... not that it's any of your business, but just because (local casino) under pays me as an internal auditor according to Nevada Job Connect doesn't mean I am that bad off, this is the job I work to pay off my student loans faster so I can be able to get approved for a home loan.
SC: Well, people who aren't poor shouldn't work at places like this, it is demeaning to yourself to act like a poor person by standing at a register.
Me: Right, I'm going to pretend that you didn't just insult me and my coworkers who happen to be friends, and just ask if you have another form of payment since the Discover won't go through.
SC: But I didn't report it to Discover that it was lost, stolen, or used at a store with a breach, just take it and make it work.
Me: Ma'am, you realize that Discover knows where you've used the card without you having to report it to them, right? How else do you think they put the merchant name on your statement?
SC: But I didn't report it lost or stolen!
Me: It doesn't really matter, Discover is not honoring the transaction, and that is between your and Discover, the number is on the back of your card, I've found them to be most helpful in the past. Now, do you have another form of payment?
And seriously, this went around and around like that several more times, with a few more comments about how poor people shouldn't have access to good credit cards and people who aren't poor shouldn't work at convenience stores, and dear God did I wish she would just get the point that she had no other means of paying so I could refuse the sale.
1st, they are very proactive about security, if your card was used at a store that had a breach during the time period it was used there, they will automatically cancel the card and issue you a new one. Yes, it can be irritating at times, but it is much easier than dealing with fraudulent charges.
2nd, they have different bonus categories every couple of months, currently it is gas stations and convenience stores (next month it's Amazon and department stores, looking forward to that one).
3rd, I have a Discover card.
Now, onto the story.
Me: Your total is (I honestly don't remember).
SC: *swipes Discover card*
Me: I'm sorry, the card is coming back declined, it looks like Discover has blocked the account.
SC: How is that possible?
Me: Well, Discover has a policy that they automatically close and reissue cards to people who have used their card at a place that has had a security breach, it's possible that you used your card at somewhere with a breach and they have already started that process.
SC: Well, I never reported it to Discover, try it again, I know it has to work, I just got it.
Me: Ma'am, I'm sorry, but the register won't accept it, that is one transaction failure message that has no ambiguity to it... kind of a shame too, would have gotten five times points on the transaction too.
SC: How the hell do you know that? Does your register show you that?
Me: No, I have a Discover card myself.
SC: That's not possible, poor people can't have Discover cards, that's why I got it.
(and this is the point where she crossed from brain fart to sucky customer)
Me: Umm... not that it's any of your business, but just because (local casino) under pays me as an internal auditor according to Nevada Job Connect doesn't mean I am that bad off, this is the job I work to pay off my student loans faster so I can be able to get approved for a home loan.
SC: Well, people who aren't poor shouldn't work at places like this, it is demeaning to yourself to act like a poor person by standing at a register.
Me: Right, I'm going to pretend that you didn't just insult me and my coworkers who happen to be friends, and just ask if you have another form of payment since the Discover won't go through.
SC: But I didn't report it to Discover that it was lost, stolen, or used at a store with a breach, just take it and make it work.
Me: Ma'am, you realize that Discover knows where you've used the card without you having to report it to them, right? How else do you think they put the merchant name on your statement?
SC: But I didn't report it lost or stolen!
Me: It doesn't really matter, Discover is not honoring the transaction, and that is between your and Discover, the number is on the back of your card, I've found them to be most helpful in the past. Now, do you have another form of payment?
And seriously, this went around and around like that several more times, with a few more comments about how poor people shouldn't have access to good credit cards and people who aren't poor shouldn't work at convenience stores, and dear God did I wish she would just get the point that she had no other means of paying so I could refuse the sale.
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