Discover: Slow to restore available credit after payment?

[14Fiesta]

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@longtimelurker wrote:

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@Jahmakan wrote:

I've experienced this very thing a couple of times with my Disover card as well.  There is actually a statement/disclaimer that popped up telling me something along the lines of the available balance not being updated immediately in a situation where multiple payments are made within a short time period (believe it was three days) between each other; so the first one would update the next day, but the other ones would be delayed.  Wasn't a problem in my case because I had enough of a cushion without the payments anyway, but I can see where it could be a problem if the funds would be needed as soon as possible.  Not sure of their reason for doing it though.

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OK, thanks, maybe the multiple payments was the issue

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I believe it was. I remember reading on Discover's site if you make 2 or more payments in 3 days, it will take up to 8 days for the extra payments to be reflected in available credit.

Edit: What Jahmakan said. (I didn't read it at first) 

[ojefferyo]

Mine is usually next day or with a 48 time frame

[longtimelurker]

OK, so no more multiple payments not spaced apart.

Just learning about Discover.   Is there a place they show declined transactions?   I just tried a $4K transaction, which didn't go through, but a $2k one then did.  I'm not used to that either!  Generally if there is a decline, there is a fraud alert and later transactions are blocked.   So just want to check it was discover who declined the first charge.

[onstar]

Discover: Usually 1 day after payment date. One time it took 2 or 3 days. 

All of my other cards: Same day or 1 day after payment date.

Amex: Usually instant. You hit payment Submit, and the available credit is instantly restored by the payment amount. Although one time, there was a glitch in the system: after I PIF, the available credit went down instead of going up (and there was no pending charges). It resolved itself without my intervention in about 5 days.

[ojefferyo]

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@longtimelurker wrote:

OK, so no more multiple payments not spaced apart.

Just learning about Discover.   Is there a place they show declined transactions?   I just tried a $4K transaction, which didn't go through, but a $2k one then did.  I'm not used to that either!  Generally if there is a decline, there is a fraud alert and later transactions are blocked.   So just want to check it was discover who declined the first charge.

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Now that's strange, give them a call and see what's going on.

[Anonymous]

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@longtimelurker wrote:

OK, so no more multiple payments not spaced apart.

Just learning about Discover.   Is there a place they show declined transactions?   I just tried a $4K transaction, which didn't go through, but a $2k one then did.  I'm not used to that either!  Generally if there is a decline, there is a fraud alert and later transactions are blocked.   So just want to check it was discover who declined the first charge.

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They should send you an email regarding the decline and a little information why.  It may have just declined because the card is new and they don't know how you spend yet, since it was such a large purchase.  

[Anonymous]

Mine is usually with a few hours, occasionally up to 24. I make 4 or 5 payments a month on my discover and never really have it take longer than a day. It may have something to do with your banks interactions with discover as well. 

One of my CU's does not play nice with US bank and payments post slow, and avail credit is slow to restore. My other CU its nearly instant, so I am pretty sure its where the money is coming from, not on US banks side.

[core]

These "poll" responses are not all that useful for comparison purposes without mentioning the payment method.  There's a big difference between pushing payments, pulling payments, and sending them a personal check from your bookie. 

Pushing the payments from your Discover Bank account would likely result in no hold once it actually posts, but I haven't kept a close eye on my available credit in the past to see.  But you're getting a free $0.10 each time so why not make them pay up.

[NobodyImportant]

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@longtimelurker wrote:

OK, so no more multiple payments not spaced apart.

Just learning about Discover.   Is there a place they show declined transactions?   I just tried a $4K transaction, which didn't go through, but a $2k one then did.  I'm not used to that either!  Generally if there is a decline, there is a fraud alert and later transactions are blocked.   So just want to check it was discover who declined the first charge.

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AGC transactions authorize as cash advances (but post as purchases), so your CA limit is probably the issue there.

[longtimelurker]

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@NobodyImportant wrote:

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@longtimelurker wrote:

OK, so no more multiple payments not spaced apart.

Just learning about Discover.   Is there a place they show declined transactions?   I just tried a $4K transaction, which didn't go through, but a $2k one then did.  I'm not used to that either!  Generally if there is a decline, there is a fraud alert and later transactions are blocked.   So just want to check it was discover who declined the first charge.

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AGC transactions authorize as cash advances (but post as purchases), so your CA limit is probably the issue there.

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My CA limit is (just) large enough, $4.5K but maybe some is being held from the other purchases, so good point.