I have been a discover card customer for over 3 years. Never have I missed a payment and have always paid their ridiculous interest. Month after month I have done this. I recently lost my job and called in to have my monthly payment deferred. I was told by the rep that their is nothing they can do and that maybe I should take out a loan to make my payment. WOW! I hope to pay off my balance and cancel this account. They will not get any of my money moving forward. Do yourself a favor and stay away from all things Discover.