Discover Bank Cancelled My Credit Card Because I'm a Republican

Dick Law Firm, PLLC | January 27, 2025

By Eric Dick, Attorney at Law

Five days after President Donald Trump was sworn into office, Discover Bank cancelled my credit card. A card I held for 19 years. A card I paid on time. A card I put over $96,000 on in December alone — and paid back.

They did not call me. They did not write me a letter. They did not give me a reason. They just shut it off.

I know exactly why they did it. I am a Republican, and I am not quiet about it.

I Just Got Re-Elected. This Is Their Answer.

In November 2024, I was re-elected to the Harris County Department of Education Board of Trustees with 361,896 votes. I ran as a Republican — proudly, openly — in one of the largest and most politically contested counties in America. I have held this seat since 2017. This January, I was sworn in for another term.

On the campaign trail, I called out corruption. I called out the financial institutions that bleed working families dry with predatory interest rates, hidden fees, and deceptive practices. I have spent my entire legal career fighting billion-dollar corporations that cheat consumers. That is what I do for a living, and I was not shy about saying so in front of voters.

President Trump said the same thing. During his campaign, he stood in front of thousands of Americans and said we cannot let credit card companies "make 25 and 30 percent" off the backs of working people. He promised to cap their rates. He called them out by name. And in January 2025, the American people put him in the White House to do exactly that.

Five days later, Discover cancelled my card.

This is how they repay us.

They Cancelled a Perfect Account

Let me be clear about the state of my account when Discover pulled the plug.

I was a cardmember since 2006 — nineteen years. My credit line was $53,500. In December 2024, I charged $96,485 and paid $95,822. In January 2025, I charged $93,299 and paid $91,051. This was not a struggling account. This was not a delinquent account. This was one of their best accounts — high volume, consistent payments, year after year after year.

And they killed it. Overnight. Without a word.

They zeroed out my available credit. They blocked every transaction. They cut me off like I was nobody. After 19 years and hundreds of thousands of dollars in business, they threw me away.

You do not do that to a customer who pays on time and spends that kind of money on your card — not unless you have a reason that has nothing to do with credit.

This Is Political Retaliation

There is no financial justification for what Discover did. None. My account was profitable for them. My payments were current. My usage was consistent. There is only one thing that changed in January 2025: a Republican president took office, and a Republican officeholder who spent his campaign calling out corporate corruption got sworn in for another term.

This is what debanking looks like. It is not a conspiracy theory. It is happening right now, all across this country. Financial institutions are weaponizing their power against conservatives — against gun store owners, against religious organizations, against Republican politicians, against anyone who dares to challenge the system.

They do not send you a letter that says "We cancelled your account because you are a Republican." They do not have to. They just flip the switch and dare you to prove it.

I can prove it. My account speaks for itself. Nineteen years. Six-figure monthly volume. On-time payments. And then — five days after Trump's inauguration, weeks after my re-election — gone.

Credit Card Companies Fear What Is Coming

President Trump promised the American people he would take on the credit card industry. He promised to cap their interest rates and stop them from ripping off working families. That terrified them. These companies have been charging 20%, 25%, 30% interest and getting away with it for years. Americans are drowning in over $1.2 trillion in credit card debt, and these companies have been getting rich off the misery.

Now a president is in office who says he is going to do something about it, and people like me — attorneys, elected officials, advocates — are standing up and saying the same thing. So what do the credit card companies do? They retaliate. They cancel your account. They try to destroy your credit. They send a message to anyone else who might speak up: this is what happens to you.

I am not intimidated.

Discover Is About to Get Even More Dangerous

Discover Bank is currently being acquired by Capital One in a $35.3 billion deal. If approved, this merger will create the single largest credit card company in the United States. The same company that just cancelled my account because I am a Republican will control an even bigger piece of the market.

Think about that. A credit card company that punishes its customers for their political views is about to get more powerful than ever. Every conservative, every Republican, every outspoken critic of corporate greed should be paying attention to what just happened to me — because you could be next.

I Am Fighting Back

I am not going to let this go. I am a consumer protection attorney. I have spent my career taking on companies bigger than Discover, and I have won. I will be sending formal demands under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Texas Finance Code. I will document everything. I will make it public. And if they try to come after me for a balance that only exists because they cancelled my account and started piling on fees and interest, I will meet them in court.

This is not just about my account. This is about every American who has been silenced, debanked, or punished for their beliefs by a corporation that thinks it is above accountability.

President Trump promised to fight for us. I am going to hold him to it — and I am going to fight for myself.

If This Has Happened to You

If a credit card company has cancelled your account out of nowhere — if they zeroed out your credit line despite on-time payments — if you believe you were targeted for your political views or public statements — contact my office. You have rights under federal and state law, and you do not have to take it.

They want you to be silent. Do not give them that satisfaction.

Eric Dick is the managing attorney at Dick Law Firm, PLLC in Houston, Texas. He is an elected member of the Harris County Department of Education Board of Trustees, first elected in 2016 and re-elected in November 2024 with 361,896 votes on the Republican ticket.

Contact Dick Law Firm at (844) 447-3234 or visit www.dicklawfirm.com.