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Why is Disco so slow to post?

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Moderator

Re: Why is Disco so slow to post?

It's been a while since I used it, but I found them to be painfully slow to post pending charges unless it's really close to statement closing. Then...not so slow
Message 31 of 40
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Established Contributor

Re: Why is Disco so slow to post?

Chase beats all of my lenders. I can pay $1000 right now and in less than 8 minutes it will be available for use. INSANE

Capital One comes in second place. If I made a payment now it would show on my account in less than 15 minutes depending when I made the payment.

Discover is the slowest & I’ve stopped using it tbh. I am going to pay the remaining balance and just run small bills like Apple music etc.

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% Total CL:$18,000
Message 32 of 40
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Valued Member

Re: Why is Disco so slow to post?

logged in this morning to my account and now noticing that i made a couple charges this past saturday (1/18) and charges are still pending on the account today. haha

 








Gardening Start 2/19/2020
Message 33 of 40
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Valued Contributor

Re: Why is Disco so slow to post?

To add slowness to injury, I paid my bill in full, using part of the payment from my rewards balance. The next day, the payment posts, except for the cash rewards portion, that takes another day to post.

Scores, HPs/24 mos. (updated 3/30/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 836, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $733.13
    Propel: $4,942.08
=================
Total Spend: $43,564.14

Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 34 of 40
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Moderator Emeritus

Re: Why is Disco so slow to post?


@Remedios wrote:
It's been a while since I used it, but I found them to be painfully slow to post pending charges unless it's really close to statement closing. Then...not so slow

Interesting you mentioned this! More than once I thought how did that transaction get through and posted? Now I know it was not a figment of my imagination Smiley Sad

Starting Score: 300
Current Score: 824
Goal Score: 850


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Message 35 of 40
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Valued Contributor

Re: Why is Disco so slow to post?


@Dinosaur wrote:

@Remedios wrote:
It's been a while since I used it, but I found them to be painfully slow to post pending charges unless it's really close to statement closing. Then...not so slow

Interesting you mentioned this! More than once I thought how did that transaction get through and posted? Now I know it was not a figment of my imagination Smiley Sad


No surprise. Minimize float when they can. Amex posts charges the same day as your closing date. I put a larger charge once on my closing date, and when my statement generated, there it was. No float. It happened on a small charge too.

Scores, HPs/24 mos. (updated 3/30/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 836, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $733.13
    Propel: $4,942.08
=================
Total Spend: $43,564.14

Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 36 of 40
Highlighted
Moderator

Re: Why is Disco so slow to post?


@Dinosaur wrote:

@Remedios wrote:
It's been a while since I used it, but I found them to be painfully slow to post pending charges unless it's really close to statement closing. Then...not so slow

Interesting you mentioned this! More than once I thought how did that transaction get through and posted? Now I know it was not a figment of my imagination Smiley Sad


 

 

US Bank is the same way, charges pending forever plus two weeks

Miraculously, charges made a day or two before statement closes always post in time for closing. 

 

Message 37 of 40
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Valued Contributor

Re: Why is Disco so slow to post?


@Remedios wrote:

@Dinosaur wrote:

@Remedios wrote:
It's been a while since I used it, but I found them to be painfully slow to post pending charges unless it's really close to statement closing. Then...not so slow

Interesting you mentioned this! More than once I thought how did that transaction get through and posted? Now I know it was not a figment of my imagination Smiley Sad


 

 

US Bank is the same way, charges pending forever plus two weeks

Miraculously, charges made a day or two before statement closes always post in time for closing. 

 


Banks like float just as much as we do. And I bet they notice, just like we do, when they get shortchanged with it. I wonder if they track whether you pay closer to the due date or closer to the statement date lol. They prefer to be slow but prefer us to be fast. But we won't go there, it didn't go over well last time lol.

Scores, HPs/24 mos. (updated 3/30/20):
    Experian FICO Score 8 = 827, 2/24
    Experian FICO Score 9 = 836, 2/24
   TransUnion = 832, 1/24
    Equifax = 834, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $733.13
    Propel: $4,942.08
=================
Total Spend: $43,564.14

Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 38 of 40
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Valued Member

Re: Why is Disco so slow to post?

I'd actually call Discover fast at posting transactions.

 

I had to purchase a transit pass at Walgreens for January rides.  A Dec 31 4pm PT transaction posted on Dec 31, but didn't show until Jan 2.  A check on Jan 1 didn't show the action, so I thought I was good for the category spend.  If it had posted on Jan 1, I'd have gotten 5% back on that pass.

Message 39 of 40
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Valued Member

Re: Why is Disco so slow to post?

It usually depends on when the merchant collects the funds from the issuer.

Message 40 of 40
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