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I have had a few credit cards in my life, and this is one of my least favorites. I feel as if they say a lot of things to get you to apply and get the card, but soon after, a lot of their promises are not met. I was not aware that the interest would be as high as it was, because when I applied, the customer service rep told me a completely different number. I was told that since I had such bad credit, the the interest rate would have to be increased. I am not at all bashing this card, but just writing about my experiences. I would only recommend this card to someone with decent credit, and not horrible credit like mine. They do have very polite customer service if you ever have an issue and need to call. Overall, the card was just not the right one for me, and it has since been paid off and cancelled.
When I first got this card, I thought that it was going to be so great, but in fact it is nothing special. Since it is called the black card, I figured it would be similar to the cards that all of the celebrities are raving about, I was once again wrong. I have had this card for a month, and I am already about to stop using it. The annual fee is almost $500! That is just a rip off. My credit is good, and you must have good credit to get this card. With the amount of restrictions, they should really consider lowering the annual fee, because it will push a lot of people away from getting this card.
I just got this credit card, and have been using it for majority of my Christmas shopping. I am so far pleased with the card, and will continue to make purchases with it. I will be honest and say that when I first applied for this card, I was denied even though I have really good credit. If you are going to apply for this card you will probably have to have almost perfect credit. I am happy that I decided to apply again after fixing my credit, because the bonuses are amazing, and there are no extra fees for using them. A credit card with no annual fee was very important to me, and I am pleased to say that this Discover Motiva Card passed the test! I would recommend this card to someone who has experience with credit cards, and is not a first time user. Overall, I am fairly pleased.
I enjoy having this credit card, so I can go shopping whenever I want without having the actually money. The interest rate can be a little high, but I do not mind it because I take advantage of all of the perks that come along with having this card. Every month when I receive my bill, they also send me a stack of coupons that can be used with my next couple purchases to take my mind off of the bill that I have to pay. If you have a Macy's credit card, you are also allowed to participate in store raffles and giveaways. I use this card often, and I have never been late on a payment, so I am not sure what happens if you are late. I know that they do allow convenient payment plans, so that is good for everyone who might be tight on money at the time of the bill due date. Overall, I do love this card and will be keeping it for a long time.
I got this card when I was in college, and everyone thought it was so cool to be able to spend money that you didn't necessarily have at the time. Well, this credit card made me hate credit cards! I was recommended this card by my school's website, and I have no idea why. I felt like I was paying more fees and interest than I was actually paying for the items that I purchased. I understand that this credit card is made for individuals with poor credit, but stacking fees on fees is going to make it even more impossible for them to pay it back on time, where as if the fees were normal they would probably have no problems with paying it back. I have since paid off this card, and never plan on using it ever again.