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roy a. guthrie charge-offs

Discover Financial Services F4Q08 (Quarter End 11/30/08) Earnings Call Transcript: Question-and-Answer SessionOperator Operator Instructions Our first question comes from David Hochstim - Buckingham Research. David Hochstim - Buckingham Research Could you explain what was going on with the sequential decline in PULSE network transactions? Also how much of the decline in Discover spending volume was related to...; Tags: Discover Financial Services, Call Transcript, Quarter, Earnings, Reserve, Roy A. Guthrie Charge-offs, Sales Strategy, Sales Force Management, Sales, Seeking Alpha; Earnings calls 2008-12-18

Discover Financial Services F3Q09 (Qtr End 08/31/09) Earnings Call Transcript: Question-and-Answer SessionOperator Operator instructions And your first question will come from the line of Bill Carcache with Fox-Pitt. Please proceed. Bill Carcache – Fox-Pitt Good morning. Can you talk a bit about operating expenses? And you mentioned higher marketing expectations in the fourth quarter. And so should we expect...; Tags: Asset, Discover Financial Services, Asset Price, Call Transcript, Earnings, Asset Management, Marketing Research, Operational Planning, Business Operations, Marketing, Seeking Alpha; Earnings calls 2009-09-18