topic Re: Question about statement closing date [Discover] in Credit Cards

Question about statement closing date [Discover]

TheGameofCredit_ — Thu, 24 Sep 2020 05:23:36 GMT

Hello all,

My statement closing date is September 27th, each transaction on my Discover is slowly, one by one, posting to current balance however.... I have 1/2 PS5 preorder charges for target that are still pending, 1 fell off and I will be getting recharged in November. In total I have $700 in charges that are pending and haven't moved to current balance. It won't let me pay anything more than my Current balance, which is currently $597.

*During Statement closing date [the 27th]. will these pending charges report in my utilization?
*What if they move to current balance day of Statement close date, and I make payment, will that keep my balance low for report?

Thanks to all who answer.

Re: Question about statement closing date [Discover]

Anonymous — Thu, 24 Sep 2020 05:30:19 GMT

Larger merchants usually don't post charges until it's shipped, so it most likely won't affect reported balance

You can pay off your balance at any time and request a mid-cycle update from Discover

You can use bill pay from your checking account to pay beyond the current balance on your account. Discover also allows refunds on a negative balance by ACH or check.

Re: Question about statement closing date [Discover]

TheGameofCredit_ — Thu, 24 Sep 2020 05:36:59 GMT

@Anonymous wrote:
Larger merchants usually don't post charges until it's shipped, so it most likely won't affect reported balance

You can pay off your balance at any time and request a mid-cycle update from Discover

You can use bill pay from your checking account to pay beyond the current balance on your account. Discover also allows refunds on a negative balance by ACH or check.

Wow I didn't know bill pay could do that. Thanks a ton for this information. You're the MAN!

Also my friend, how did you add your CL's to your credit card pictures?

Re: Question about statement closing date [Discover]

Dmessina666 — Sat, 26 Sep 2020 12:23:32 GMT

I'll take that ps5 off your hands...$800

lol no but seriously