Why is Disco so slow to post?

[Anonymous]

---

@Anonymous wrote:

---

@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. 

---

Neither to me. The texts are usually instantaneous. The charge was pending for 7 days. The CSR asked if I went to dairy queen 7 days ago and I said no.  Then I said to be sure, let me check Google Maps timeline,  and there it was and I remembered.

[Anonymous]

I've noticed certain transactions definitely take a long time on my Discover compared to when purchased with literally any other card I have.  Hotel holds and restaurants that have the chance to change total due to tips, are definitely the longest.  I keep a spreadsheet record of everything and a hotel hold can take upwards of 2 weeks to release and it stops showing as pending after 5 (I believe?) days.  Any Visa/MC branded one and the hold is released 48-72 hours after check out.  Mean while, some charges seemingly post the next business day.  

Either way, best 24x7 US based customer support I've personally dealt with.

[AverageJoesCredit]

I dont find checking when my charges post as micromanaging, i call it being vigilante about my credit.

[JNA1]

^^^Agreed!

And truly, maybe it even is micromanaging, but I check my credit report and balances on all cards (and debit cards) daily. It’s just part of my routine. I caught a $155 charge on my debit card a few weeks before Christmas the day it showed up. It was still pending when I saw it, and by the time we called the bank, another 20 something dollar charge had come through.

I’ll admit that I absolutely do micromanage the PPMC multiple times daily because the dang lack of notifications.

[Anonymous]

So you're saying that your memory doesn't go past 7 days? 

[Anonymous]

---

@Anonymous wrote:

So you're saying that your memory doesn't go past 7 days? 

---

Not for that type of transaction. 

[Anonymous]

---

@Anonymous wrote:

I've noticed certain transactions definitely take a long time on my Discover compared to when purchased with literally any other card I have.  Hotel holds and restaurants that have the chance to change total due to tips, are definitely the longest.  I keep a spreadsheet record of everything and a hotel hold can take upwards of 2 weeks to release and it stops showing as pending after 5 (I believe?) days.  Any Visa/MC branded one and the hold is released 48-72 hours after check out.  Mean while, some charges seemingly post the next business day.  

Either way, best 24x7 US based customer support I've personally dealt with.

---

On the other hand, Amex sometimes posts in the same day. It happens on the statement close date. My close date is the 10th. If I make a purchase on the morning of the 10th, when the statement is available in the 11th, that charge shows.

[Anonymous]

---

@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

---

I didn't notice this slowness until earlier this month and when I did it was annoying.  My Discover card's Payment Due date is the 5th and the Statement Close is the 6th.  I made a purchase of $8.64 at a supermarket on January 2 and it stayed Pending until the statement closed on January 6.  And of course you can't make a payment in excess of the current statement balance ( unless you push a payment) so my statement ended up closing with an $8.64 balance.  Since I prefer to have no more than one-third of my accounts reporting balances in any given month that screwed up my plan.

[Anonymous]

Discover use to post my charges within 2 days but the last few months it’s been more like 4 days.

My other lenders are all in 2 days and as for payments Chase processes my payments within a day but I’m using internal account.

[FireMedic1]

---

@AverageJoesCredit wrote:
I dont find checking when my charges post as micromanaging, i call it being vigilante about my credit.

---

When you have your own fully dedicated AJC server in Disco's IT room from all the hulk smashes. It'll take time to get thru.............