topic Re: I could be wrong but... in Credit Cards

I could be wrong but...

Anonymous — Tue, 19 May 2015 13:42:06 GMT

In my mind I've concocted a conspiracy against me at the hands of Discover. I did a balance transfer last week from Discover to my new Freedom. It posted yesterday to my Freedom account and when I called they confirmed that they completed a wire transfer to Discover. I contacted Discover this morning and they said they haven't received it yet. My billing cycle closes tomorrow. I feel like Discover is not going to post this payment until Thursday just to mess up my utilization for the month. It's an electronic payment. Those go through quickly. I just know some evil banker is holding it in his pocket until the day after my statement closes...

Re: I could be wrong but...

FinStar — Tue, 19 May 2015 13:46:55 GMT

Yes because an "evil" processor is sitting on that ACH transfer (somehow they knew you'd be doing this) and won't release that clearing button. Yup, I'd say they've singled you out

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:28:33 GMT

You do realize this post was not meant to be taken quite so seriously don't you? No need for your annoyed sarcasm.

@FinStar wrote:
Yes because an "evil" processor is sitting on that ACH transfer (somehow they knew you'd be doing this) and won't release that clearing button. Yup, I'd say they've singled you out

Re: I could be wrong but...

PrimeRate — Tue, 19 May 2015 14:17:46 GMT

Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.

In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:22:05 GMT

I'll have to keep an eye out for the paper checks. I didn't take advantage because I didn't want to mess with the timing.

@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.
In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:30:53 GMT

@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.
In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!

Thanks for that tip! This is my first time doing a balance transfer. I figured submitting it online would be as quick as making a payment online. Living and learning. Still hoping it goes through by tomorrow though!

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:36:04 GMT

@Anonymous wrote:

Thanks for that tip! This is my first time doing a balance transfer. I figured submitting it online would be as quick as making a payment online. Living and learning. Still hoping it goes through by tomorrow though!

Discover takes 5-10 days. I put in a small transfer and was taking forever and when I tried to cancel, they couldn't. It took 5 days...

Re: I could be wrong but...

PrimeRate — Tue, 19 May 2015 14:39:49 GMT

@Anonymous wrote:
@Anonymous wrote:

Thanks for that tip! This is my first time doing a balance transfer. I figured submitting it online would be as quick as making a payment online. Living and learning. Still hoping it goes through by tomorrow though!
Discover takes 5-10 days. I put in a small transfer and was taking forever and when I tried to cancel, they couldn't. It took 5 days...

That's so brutal!

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:40:52 GMT

@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.
In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!

I think people are just taking things too seriously. Read the comments and remind yourself that speech is being converted to text and back. Context and tone may not always translate as intended.

Re: I could be wrong but...

PrimeRate — Tue, 19 May 2015 14:47:56 GMT

@Anonymous wrote:
@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.
In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!
I think people are just taking things too seriously. Read the comments and remind yourself that speech is being converted to text and back. Context and tone may not always translate as intended.

Agreed... But when someone paints a picture as vivid in jest as an evil banker holding her balance transfer in his pocket; one must wonder how said context is being so misconstrued. I'm not one who wants everyone here to say congratulations on every thread, but if you have nothing of substance to add - keep it to yourself.

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:54:59 GMT

@PrimeRate wrote:
@Anonymous wrote:
@Anonymous wrote:

Thanks for that tip! This is my first time doing a balance transfer. I figured submitting it online would be as quick as making a payment online. Living and learning. Still hoping it goes through by tomorrow though!
Discover takes 5-10 days. I put in a small transfer and was taking forever and when I tried to cancel, they couldn't. It took 5 days...
That's so brutal!

Yep... It is...

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 14:58:35 GMT

@PrimeRate wrote:
@Anonymous wrote:
@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

@OP, I hope the payment posts today for you! I've seen these things post as quick as 1-3 days or as long as 5-10 days.
In the future, if they send you paper checks with the same BT offer, I highly recommend writing one to yourself - depositing and pushing a payment through your banks billpay if you're under time constraints!

Best of luck!
I think people are just taking things too seriously. Read the comments and remind yourself that speech is being converted to text and back. Context and tone may not always translate as intended.
Agreed... But when someone paints a picture as vivid in jest as an evil banker holding her balance transfer in his pocket; one must wonder how said context is being so misconstrued. I'm not one who wants everyone here to say congratulations on every thread, but if you have nothing of substance to add - keep it to yourself.

Oh come on. FinStar was joking, just the same as the OP. People need to stop looking for some perceived insult in every post. Nixon is 100% right. It's impossible to get the full context from text.

Re: I could be wrong but...

PrimeRate — Tue, 19 May 2015 15:09:04 GMT

I am the last person looking for an issue. I just see a trend forming here,where it's cool to be unhelpful and that's not what this board was about when I joined.

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 15:11:04 GMT

@PrimeRate wrote:
I am the last person looking for an issue. I just see a trend forming here,where it's cool to be unhelpful and that's not what this board was about when I joined.

@Anonymous know you are not.... @Anonymous was just making a general comment.

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 15:17:14 GMT

I like general comments.

I've also noticed that transfers from and to certain banks seem to take FOREVER.

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 15:21:12 GMT

@PrimeRate wrote:
I am the last person looking for an issue. I just see a trend forming here,where it's cool to be unhelpful and that's not what this board was about when I joined.

Didn't mean to single you out. I apologize if it seemed that way. I'm not sure I see the same trend but everything is open to interpretation. I've just seen enough of FinStar's posts to know he was joking. I don't see anything wrong with some humor in these forums. I'll be the first to call someone out if they're being insulting. I just know that if we are all sitting around with a drink in our hands a lot of what seems to be a 'nasty' response would be laughed at in person. It's just so hard to, if not impossible, to see that in writing.

Re: I could be wrong but...

TRC_WA — Tue, 19 May 2015 15:47:30 GMT

@Anonymous wrote:
@PrimeRate wrote:
Finstar must be having a rough morning. The recent MyFico rudeness continues to rise.

I think people are just taking things too seriously. Read the comments and remind yourself that speech is being converted to text and back. Context and tone may not always translate as intended.

I soooooo want to comment on this... but don't want people to think I'm all of a sudden being nice.

Re: I could be wrong but...

Anonymous — Tue, 19 May 2015 16:36:17 GMT

LOL thanks everyone for your comments... both those who sympathized with my plight and those who may have thought I was a dimwitted twit for being mad at the evil banker...

Re: I could be wrong but...

Anonymous — Wed, 20 May 2015 13:38:50 GMT

Just giving an update to my saga: the evil bankers decided to have mercy on me and posted the payment at Discover today :-)

Re: I could be wrong but...

Anonymous — Wed, 20 May 2015 13:40:39 GMT

@Anonymous wrote:
Just giving an update to my saga: the evil bankers decided to have mercy on me and posted the payment at Discover today :-)

Good to hear. Beware of them in the future :-)