topic Re: Discover.... in Credit Cards

Discover....

JPersat — Wed, 24 Oct 2012 23:59:27 GMT

How long does it take stuff to post to the account? Their customer service is awesome so far, but I've charged 1k in the past 2 days to my 1,200 limit card and I wanna pay it off! However, nothing has posted yet. Maybe at midnight? Maybe they'll post on the 26th and I'll get the 2% cash back, haha.

And on an odd note, I got a fraud alert text today...they questioned a $67 charge, a $19.95 charge (bought my TU score here), and a $150 something charge from getting groceries. They said nothing about the $200 online purchase yesterday, or the $305 for a "splurge" on myself. How is groceries suspicious but the $305 charge isn't?

Re: Discover....

jsucool76 — Thu, 25 Oct 2012 00:22:16 GMT

If you want to pay you can always push the monry through your checking accounts "Bill Pay" feature. And don't be too upset about your fraud alert, i got 3 account freezes due to "suspected fraud" from cap1 within the first month of having my card, so discover > cap1 xD

Re: Discover....

scientifics — Thu, 25 Oct 2012 11:03:27 GMT

JPersat wrote:
How long does it take stuff to post to the account? Their customer service is awesome so far, but I've charged 1k in the past 2 days to my 1,200 limit card and I wanna pay it off! However, nothing has posted yet. Maybe at midnight? Maybe they'll post on the 26th and I'll get the 2% cash back, haha.

And on an odd note, I got a fraud alert text today...they questioned a $67 charge, a $19.95 charge (bought my TU score here), and a $150 something charge from getting groceries. They said nothing about the $200 online purchase yesterday, or the $305 for a "splurge" on myself. How is groceries suspicious but the $305 charge isn't?

Credit card fraud alerts work in strange ways. There sometime seems to be no rhyme or reason to what gets flagged sometimes, but it happens when their system sees something that they think is out of the ordinary. I'd rather them be too cautious than let fraud get through.

Re: Discover....

SwampSystems — Thu, 25 Oct 2012 13:15:33 GMT

Discover is weird with fraud alerts. I tripped their system twice in the last month, and they declined a legitimate purchase both times. The transaction post date is up to the merchant.

Re: Discover....

navigatethis12 — Thu, 25 Oct 2012 13:18:57 GMT

JPersat wrote:

And on an odd note, I got a fraud alert text today...they questioned a $67 charge, a $19.95 charge (bought my TU score here), and a $150 something charge from getting groceries. They said nothing about the $200 online purchase yesterday, or the $305 for a "splurge" on myself. How is groceries suspicious but the $305 charge isn't?

I have had cards question small charges such as those, but let charges in the thousands go through without so much as a ring. Discover blocked Macy's three times, even after I confirmed each time it was me and made me miss some bonus stuff with Quill when they declined the charge :(.

Re: Discover....

scarrollprint — Thu, 25 Oct 2012 13:29:28 GMT

I've had my debit card put on hold for fraud alerts, for stupid things. I paid for parking at a mall where its all automated you take a ticket then put it in this machine when you leave with a credit card. It got declined and then got a call saying it was a fraud alert. They didn't snap when I bought a new mac book pro about 30 mins PRIOR to that at the same mall, but the $2 for the couple hours I was there obviously was very suspicious...

no one will ever know a banks rhyme or reason.