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- Posts: 99
- Joined: Thu Oct 28, 2010 1:17 pm
- Location: Chicago
If you go to the Discover website, enter your account and go to make a payment tab this is the message you will get for making an online payment through their website.
You will also see a different message on the recent account activity tab indicating it will take 1 to 3 days for your payment to appear on the account.
The account agreement governs the legalities of the account. They always have that to fall back on and can always reverse an error or inappropriate transaction. They also have 100% of spending control with authorization risk and fraud thresholds for access to the credit line if a payment isnt good.
The online "cues" and messages on the website, which is what I am referring to, set and manage consumer expectations and provide operating directions.
All that aside, from a purely practical, real life, human being perspective, if you send money electronically, with no paper involved and good available funds in US currency it should post in 24 hours and it is nonsensical for Discover to lead anyone to believe that it can take up to 2 weeks to be reflected on the statement by paying online. Now, it can take a day for the sender to administratively set up the payment , sure, so lets even go 48 hours...but 2 weeks to be reflected?
Just being reasonable here; a suggestion to the mass market user of the website who sees that webpage that it can take up to 2 weeks for an online payment to reflected on an online statement makes these guys appear like buffoons at best or devious at worst and is simply comical. Just my opinion.