topic Re: Why is Disco so slow to post? in Credit Cards

Why is Disco so slow to post?

AverageJoesCredit — Wed, 22 Jan 2020 14:36:54 GMT

Is it me or is Discover one of the slowest lenders to post pending charges? It seems to take days to post and i have charges that are over 4 days old still pending. I like to pay them as they post, just out of habit but it is kinda annoying or weird. Heck I'll order a pizza with my PPMC and within 2 days i can already make a payment. Just curious to everyones experience and what other lenders you find are slow. AJC

Re: Why is Disco so slow to post?

Ficoproblems247 — Wed, 22 Jan 2020 13:22:20 GMT

Out of my 4 cards, Disco seems to be BY FAR the slowest. Probably on average 1-3 days slower than the others. It's weird.

Re: Why is Disco so slow to post?

adelphi_sky — Wed, 22 Jan 2020 14:29:33 GMT

Amex is pretty slow too. We've had Uber Eats charges hang out in pending for alomst 5 days. Payments take 24 - 36 hours to post. The only way to get payments to post same day is to have a three-way with Amex and your bank. It makes things a little confusing when you are waiting to pay the balance. I'm not sure why some banks take forever in this day and age of point-and-click (Sorry microwave gen, you're just not fast anymore )

Re: Why is Disco so slow to post?

JNA1 — Wed, 22 Jan 2020 14:33:33 GMT

They are probably too busy printing me another CLI denial! 😂

Re: Why is Disco so slow to post?

Nomad3 — Wed, 22 Jan 2020 14:36:32 GMT

Out of my cards Cap1 posts the fastest. Disco usually posts 1-2 days after Cap1, sometimes add another day if its a charge that could have a tip adjustment. And WF Amex Propel posts the slooowest, feels like 5 days sometimes.

Disco hasnt been slow enough for me to really complain, seems normal. Propel Amex gives me anxiety because everything takes forever to post, especially non-WF bank payments(5-7 days to refresh available)

Re: Why is Disco so slow to post?

recoveringfrombk7 — Wed, 22 Jan 2020 14:53:36 GMT

I find Disco slow. It is very annoying, but they are also my favorite card/best card by far so it leaves me torn!

Re: Why is Disco so slow to post?

Peazmom — Wed, 22 Jan 2020 15:12:53 GMT

My Disco is slow, but my Chase Southwest is even SLOWER!

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 15:12:56 GMT

only gone through 1 month pay cycle on my discover so haven't really noticed.

i'll pay more attention now to see how long it takes to get off of pending.

Re: Why is Disco so slow to post?

M_Smart007 — Wed, 22 Jan 2020 15:13:07 GMT

@AverageJoesCredit wrote:
Is it me or is Discover one of the slowest lenders to post pending charges? It seems to take days to post and i have charges that are over 4 days old still pending. I like to pay them as they post, just out of habit but it is kinda annoying or weird. Heck I'll order a pizza with my PPMC and within 2 days i can already make a payment. Just curious to everyones experience and what other lenders you find are slow. AJC

They send them by snail mail from PR?

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 17:07:04 GMT

They are so slow at times, once I saw a text alert for a charge at Dairy Queen while I was at home, I locked my account, and got on to chat with a CSR about the unauthorized charge. The charge was mine, it was 7 days old and I forgot I went to Dairy Queen that long ago.

Re: Why is Disco so slow to post?

RehabbingANDBlabbing — Wed, 22 Jan 2020 17:26:23 GMT

The charges do post slowly, but Discover is fast to post payments, in my experience. For example, if I schedule a payment before 12pm on a weekday, it will be posted at midnight and the credit is available at about 2am. I became very familiar with all this while my card was secured and had a very small limit hahaha. Now I am starting to get into AZEO, so the charges posting slowly is more of a concern.

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 17:45:02 GMT

I've never really paid attention honestly.

Re: Why is Disco so slow to post?

FinStar — Wed, 22 Jan 2020 18:04:23 GMT

@Anonymous wrote:
I've never really paid attention honestly.

Me either 😁

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 18:04:50 GMT

Same here, I don't really micromange my accounts to that level. I let everything take its natural course, and pay them when the statement closes. That is after all the point of CC, otherwise why not just use a debit card if you're gonna pay them back that soon. lol

Now if a person it trying to stay under a certain utilization threshold, juts pay it before it closes. But paying charges as soon as they post, this isn't the Amex app.

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 18:10:12 GMT

@Anonymous wrote:
Same here, I don't really micromange my accounts to that level. I let everything take its natural course, and pay them when the statement closes. That is after all the point of CC, otherwise why not just use a debit card if you're gonna pay them back that soon. lol

Now if a person it trying to stay under a certain utilization threshold, juts pay it before it closes. But paying charges as soon as they post, this isn't the Amex app.

I don't pay attention either. The Dairy Queen thing alerted me to it. Next time I get a text alert from DISCOVER 7 days after purchase, I won't flinch.

Re: Why is Disco so slow to post?

recoveringfrombk7 — Wed, 22 Jan 2020 18:24:36 GMT

I think it's just a rebuilding thing. Following bk I didn't have cards with limits over 2500 until my recent Discover in December of last year. My spend per month could easily be 2k+, so I just got in the habit of PIF every paycheck. I noticed that I'd often have pending charges that were older than I would have expected. Once you have a card that can support your regular use without even closing in on 10% of the total limit you obviously don't need to micromanage at that level anymore.

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 18:25:35 GMT

@Anonymous wrote:
@Anonymous wrote:
Same here, I don't really micromange my accounts to that level. I let everything take its natural course, and pay them when the statement closes. That is after all the point of CC, otherwise why not just use a debit card if you're gonna pay them back that soon. lol

Now if a person it trying to stay under a certain utilization threshold, juts pay it before it closes. But paying charges as soon as they post, this isn't the Amex app.
I don't pay attention either. The Dairy Queen thing alerted me to it. Next time I get a text alert from DISCOVER 7 days after purchase, I won't flinch.

I've never had that happen before for sure. Disco alerts me the second a transaction goes pending. They're actually faster than Capital One who is delayed a few minutes at times.

Re: Why is Disco so slow to post?

M_Smart007 — Wed, 22 Jan 2020 18:30:53 GMT

@Anonymous wrote:
I've never really paid attention honestly.

Says the person who checks everything 10 times a day

Re: Why is Disco so slow to post?

Anonymous — Wed, 22 Jan 2020 18:33:02 GMT

@M_Smart007 wrote:
@Anonymous wrote:
I've never really paid attention honestly.
Says the person who checks everything 10 times a day

I check balances but either I don't use my Discover cards enough to notice these delays or they aren't happening to me.

Re: Why is Disco so slow to post?

recoveringfrombk7 — Wed, 22 Jan 2020 18:57:34 GMT

The issue is transactions moving from pending to posted, not from happening to pending - that seems to happen pretty fast in my experience.