this post was submitted on 06 Aug 2024
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Looking for banks that issue Discover-branded debit cards (lemmy.sdf.org)
submitted 3 months ago* (last edited 3 months ago) by [email protected] to c/[email protected]
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I hope this question doesn’t piss anyone off.. it was censored on lemmy.ml.

I’m looking for 3rd-party banks that issue debit cards for use on the Discover / Diner’s Club network. It’s quite rare. Visa, Mastercard, and AmEx are more common and easier to find, but I have a number of objections to those companies. Discover is a clear lesser of evils. This is what I know from past and present searches:

If I overlooked any please mention it (even if it’s Cloudflare, just to know the options). It’s a paltry list considering there are thousands of banks and credit unions nationwide.. and I only found 9.

True Value hardware used to have a Discover credit card but discontinued that in 2020.

There’s some chatter that Capital One may acquire Discovercard. It will be a shame if that happens, but the upside could be that more 3rd-party Discovercards emerge from it.

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[–] [email protected] 4 points 3 months ago (1 children)

I think you will be very hard pressed to find a legitimate bank that doesn’t have cloudflare or similar in front of it

[–] [email protected] 0 points 3 months ago* (last edited 3 months ago) (1 children)

Cloudflare is mostly a US thing. Banks outside the US are a bit more competent¹ in this regard. But there are thousands of banks and CUs in the US and I only need one in the end. The problem is the Discover network narrows the choice down to a tiny fraction of banks. So I’m looking for an intersection of two small sets. If I can find one that functions offline and does not charge extra for paper statements that might be good enough.

¹ (edit) Guess I should clarify. A website that has good security does not rely on the crude practice of DoSing based on IP reputation. If an admin believes they can protect a website by using arbitrary guesswork about IP addresses, that’s alarming because the kind of criminals that should be in their threat models as threat agents would be in control of botnets that give them countless normal residential IPs. Use of Cloudflare is a sign of a poorly secured bank because it suggests they don’t have good enough security to protect from malicious traffic regardless of IP address. Also: not my problem. As a non-clearnet user, I am nixing banks that cannot serve me. That means they must either serve Tor users or they must work offline.

[–] [email protected] 2 points 3 months ago (1 children)

Cloudflare is mostly a US thing

Factually false. It’s used globally. I have it deployed at the UK company I work for.

[–] [email protected] 1 points 3 months ago* (last edited 3 months ago)

It’s not a binary statement. it’s a measure of proportions. So my statement was factually correct. Cloudflared banks are quite rare in Western Europe, for example. I actually cannot think of any off the top of my head. Step into the US, and credit unions are mostly pawned by Cloudflare. It’s a shit show. Hard to find non-Cloudflared CUs, which is an artifact of shoestring-budget funding.

I heard someone talking about a European bank that was considering using Cloudflare and it was met with protest. The bank backed off the idea. In the US people don’t give a shit.. they don’t even notice. There’s a bit more blind trust for big corps.