topic Re: Discover.. few questions in Credit Cards

Discover.. few questions

Anonymous — Tue, 23 Apr 2019 17:37:39 GMT

1) anyone have trouble making multiple payments a month? I did this practice w/Cap one & want to continue it to keep balances down

2) how long did it take for your payments to post w/them??

3) not looking for CLI right now since I've only had it a week but how long until you received one? 3 months? 6 months??

Thanks!!

Re: Discover.. few questions

calyx — Tue, 23 Apr 2019 17:49:18 GMT

@Anonymous wrote:
1) anyone have trouble making multiple payments a month? I did this practice w/Cap one & want to continue it to keep balances down
Absolutely not, I did many per month to start

2) how long did it take for your payments to post w/them??
usually 1-2 business days, but they were credited the date I did them (online)

3) not looking for CLI right now since I've only had it a week but how long until you received one? 3 months? 6 months??
After your third statement cuts or 91 days. After that, no one knows.

Thanks!!

Re: Discover.. few questions

creditgambler2018 — Tue, 23 Apr 2019 20:02:12 GMT

Discover is the worst credit card company to deal with on making payments. Cap One you want to make a payment no problem it works CAP ONE WILL TAKE YOUR PAYMENT NOW NOT TOMORROW NO FUSS NO NOTHING.

DISCOVER THEY DO NOT WANT TO TAKE YOUR PAYMENT. NO MORE PAYMENT DATES AVAILABLE THEY GET GRAYED OUT BS OR THE DATE IS PAST THE DUE DATE. WHEN I PAY THIS CARD ITS GETTING CLOSED. AND WHEN YOU ASK DISCO REPS ABOUT NO DATES AVAILABLE THEY ACT LIKE YOU ARE FROM OUTERSPACE THEY HAVE NO IDEA what you mean. Never heard of this complete horse fecesssss.

Best best is to use your online bank bill pay.

Re: Discover.. few questions

Brian_Earl_Spilner — Tue, 23 Apr 2019 20:05:36 GMT

Yeah, I have no idea what the guy above me is talking about. I pay multiple times and they even have an option to include trailing interest so you can for sure report a $0 balance. Payment clears in about 2 days but posts the day you make it.

Re: Discover.. few questions

AverageJoesCredit — Tue, 23 Apr 2019 20:10:54 GMT

Lol

No issues whatsoever making payments.

Cli is like counting sand, beautiful to see but horrible to count (on)

Re: Discover.. few questions

Brian_Earl_Spilner — Tue, 23 Apr 2019 20:11:17 GMT

I reread his post. Sounds like they're trying to pay on the due date after the cutoff time.

Re: Discover.. few questions

creditgambler2018 — Tue, 23 Apr 2019 20:15:43 GMT

With discover website or DISCOapp - FACTS

ONE PAYMENT PER VALID CALENDAR DATE.

CANNOT SCHEDULE PAST DUE DATE.

CANNOT SCHEDULE UP TO 90 DAYS IN ADVANCE LIKE OTHER CARDS.

DATE YOU WANT TO MAKE A PAYMENTS ON THEIR CALENDAR CANNOT BE GRAYED OUT.

IF YOU ATTEMPT TO MAKE MULTIPLE PAYMENTS A MONTH YOU WILL RAN OUT OF SELECTABLE PAYMENT DATES.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:20:09 GMT

@calyx Thanks!!!

Re: Discover.. few questions

creditgambler2018 — Tue, 23 Apr 2019 20:21:20 GMT

Disco - up to 31 payments a month with their app website.

Cap one - up to 93 payments a month using their app or website no problems nothing.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:22:02 GMT

@averagejoescredit. Lol. Thanks... I really only wanted maybe $500 -$1000 more by mid to late summer.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 22:29:07 GMT

@creditgambler2018 - If you have such a problem paying your card, push the payment from your bank account. It’s not that hard.

I have never had any issues with Disco taking a payment from me though and I’ve made multiple payments in a month before.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:25:28 GMT

^^ This helps... I've already added my bank account.

I'm only looking to make 3 or 4 payments a month max.

Re: Discover.. few questions

creditgambler2018 — Tue, 23 Apr 2019 20:27:10 GMT

I like to set it and forget it scheduling my payments three months in advance. With discover you cannot do that. I use my online bill pay with Discover.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:29:28 GMT

@Anonymous wrote:
^^ This helps... I've already added my bank account.

I'm only looking to make 3 or 4 payments a month max.

Shouldn’t be a problem. I have noticed that Disco will take a few days to actually post the payment once in awhile but it’s counted the day you make the payment. Kind of a bit of an oddity but I haven’t had a problem with them at all.

I have started using my bank’s bill pay for all of my cards now though, it’s just easier.

Re: Discover.. few questions

calyx — Tue, 23 Apr 2019 20:30:16 GMT

@Anonymous wrote:
^^ This helps... I've already added my bank account.

I'm only looking to make 3 or 4 payments a month max.

Yeah, you're totally good.
I've had credit cards that limit you to 3 payments over a 30 day period, but I've paid more times than that to my Disco (to keep the UTI down when I had a lower limit and was shoving all of my spend through it to maximize my double cash back). I do like how fast they process it, and I also have the autopayment turned on just in case.

Re: Discover.. few questions

calyx — Tue, 23 Apr 2019 20:31:10 GMT

@creditgambler2018 wrote:
I like to set it and forget it scheduling my payments three months in advance. With discover you cannot do that. I use my online bill pay with Discover.

Just use the autopayment option, then you don't have do worry about it at all (assuming you keep enough money in your bank account).

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:31:45 GMT

@creditgambler2018 wrote:
I like to set it and forget it scheduling my payments three months in advance. With discover you cannot do that. I use my online bill pay with Discover.

If you want to schedule payments that far in advance, setting it up through your bank is the proper way to do it unless you set up autopay so I don’t know what your complaint is. It seems odd that Capital One will let you schedule payments that far in advance but then again, Capital One will hit you with an autopay if you have a balance even if you already made a payment that month so they do their own thing.

Re: Discover.. few questions

Brian_Earl_Spilner — Tue, 23 Apr 2019 20:34:44 GMT

We, here at Discover, apologize for any inconveniences you may have had, creditgambler2018. Just so you know, you can store up to 8 bank accounts and make 2 payments a day from 2 of those accounts. We don't allow scheduling of payments past your due date as we need to generate a statement to make sure we are providing you with the most up to date balance information. We wouldn't want you to accidentally overpay. As for scheduling multiple payments in advance, we will possibly limit the number and/or hold those payments for up to 10 business days to ensure that there isn't any fraud on your account. Thank you for choosing Discover, we appreciate your business! Buh-bye now.

Re: Discover.. few questions

Anonymous — Tue, 23 Apr 2019 20:35:55 GMT

You win the internet Brian!

Re: Discover.. few questions

calyx — Tue, 23 Apr 2019 20:48:32 GMT

@Brian_Earl_Spilner wrote:
We, here at Discover, apologize for any inconveniences you may have had, creditgambler2018. Just so you know, you can store up to 8 bank accounts and make 2 payments a day from 2 of those accounts. We don't allow scheduling of payments past your due date as we need to generate a statement to make sure we are providing you with the most up to date balance information. We wouldn't want you to accidentally overpay. As for scheduling multiple payments in advance, we will possibly limit the number and/or hold those payments for up to 10 business days to ensure that there isn't any fraud on your account. Thank you for choosing Discover, we appreciate your business! Buh-bye now.

Between this and the Drunk Apping thread, I feel like I need alerts when you post more than a set number of characters.