topic Discover It statement reporting in Credit Cards

Discover It statement reporting

Anonymous — Tue, 31 Dec 2013 05:40:11 GMT

So, I made a mistake. I wasn't thinking about the time it would take to post, and I made my Discover payment too late for it to report a $0 balance. Discover reported a couple of days ago and my $800 Christmas balance lowered my Fico score by 12 points. In the grand scheme of things, I know that this isn't a huge deal, but it was kind of bugging me that I do have a $0 balance, but my score is still suffering lol. I was on the phone with Discover this evening to activate DBF's new It card and I mentioned my mistake to the rep. She was so sweet! She put me on hold for a moment and when she came back, she said that she had put in a request for a mid cycle update and that my account would report again this Friday so that I could show a $0 balance. I have to say, as much as I love them, I have never gotten this kind of treatment from an Amex CSR. So impressed with this level of service and very happy to be a Discover customer.

PS, for those who read my earlier post about our troubles with the Freedom, we are STILL waiting for a response from Chase. Chase is looking less and less 'prime' to me every day....

Re: Discover It statement reporting

Anonymous — Tue, 31 Dec 2013 05:47:32 GMT

+1 in my short time with Discover I find the CSR people go above and beyond a very nice change from a lot of companies customer service departments!

Re: Discover It statement reporting

FinStar — Tue, 31 Dec 2013 05:48:12 GMT

Good for you!

Re: Discover It statement reporting

Anonymous — Tue, 31 Dec 2013 05:50:53 GMT

I've been extremely impressed with discover and their customer service as well. Amex has been decent. WF American but not fantastic. Chace has only activated my card... so no opinion yet.

Re: Discover It statement reporting

oscar_actuary — Tue, 31 Dec 2013 06:34:32 GMT

you sound high maintenance

and really sweet.

Re: Discover It statement reporting

Blackbeauty212 — Tue, 31 Dec 2013 07:01:32 GMT

I love Discover, I put them at the top in almost every Cat except Intern'l acceptance, which is fine by me since I don't travel abroad very often.

Re: Discover It statement reporting

Anonymous — Wed, 01 Jan 2014 00:30:50 GMT

@oscar_actuary wrote:
you sound high maintenance

and really sweet.

Haha! Honestly, I'll agree with both assesments.

Re: Discover It statement reporting

Anonymous — Wed, 01 Jan 2014 00:35:33 GMT

@Blackbeauty212 wrote:
I love Discover, I put them at the top in almost every Cat except Intern'l acceptance, which is fine by me since I don't travel abroad very often.

True. It's unfortunate to have a card with no FTF, but also not accepted anywhere. I am definitely going to need to convince CapOne to give me a decent CLI before my trip to Mexico next year, I'll need a Visa/MC with no FTF.

Re: Discover It statement reporting

Gunnar419 — Wed, 01 Jan 2014 01:45:32 GMT

@oscar_actuary wrote:
you sound high maintenance

and really sweet.

LOL! You put that just right, oscar_actuary.

FWIW, I've also been high maintenance with Discover (can't say whether I've been sweet or not) and their CSRs have always been instantly willing to do mid-cycle reporting. I agree, best customer service around. I can't understand how Amex keeps winning that JD Power service award year after year, when Discover's customer service simply can't be beat.

Re: Discover It statement reporting

Gunnar419 — Wed, 01 Jan 2014 01:48:57 GMT

@Anonymous wrote:
@Blackbeauty212 wrote:
I love Discover, I put them at the top in almost every Cat except Intern'l acceptance, which is fine by me since I don't travel abroad very often.
True. It's unfortunate to have a card with no FTF, but also not accepted anywhere. I am definitely going to need to convince CapOne to give me a decent CLI before my trip to Mexico next year, I'll need a Visa/MC with no FTF.

Yeah, every time you talk to them about it, they swear they're being accepted in more and more and more places. I hope it's true. But they're never accepted in the countries and places I go, and if they are, it's not in the kind of obscure, off the beaten path hostels and restaurants and guesthouses I go to.

Re: Discover It statement reporting

lg8302ch — Wed, 01 Jan 2014 02:19:42 GMT

Regarding acceptance it is best not to ask a merchant if they accept but just simply insert the card. Why? Many times in Europe merchants have told me "no we do not accept Diners Club" and this would include Discover but inserting the card in the newer terminals got the card processed. First it got me surprised and after a few successes it is my pleasure to surprise the European merchants... LOL.... I am promoting Discover because when the card comes out of the terminal the merchants always want to see it as they do not recognise the card (Diners is grey) and I use my Garnet Discover IT...it gets instant attraction when processed as Diners Club... I am so glad there is the small DC logo in the back of the card otherwise I might get into jail for presenting a self made card

Still recommend you bring a MC or VI along during travel but don't be afraid to swipe Discover ...it comes out if really cannot be processed

And regarding customer service I would say Discover has the lead .....There is really only one thing I do not like and hope that will get adjusted in the course of my 2nd year as member...