Discover fails miserably in answering simple question

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Discover fails miserably in answering simple question

Postby DavidNY » Thu Jun 21, 2012 5:29 pm

Using Discover's online messaging service, I asked why paying in full using their automatic payment option would be pulled from the funding account on a different date than if I were paying the minimum automatically.

(With minimum auto pay, funds are deducted the day after payment is due with an effective date of the payment due date (this is reasonable); with full pay the funds are withdrawn in the amount of "the last full statement balance on the Discover Card every month, 10 days before the last day of the following billing period." Why?

I was told "I apologize that I do not have the companies [sic] reasons behind the difference in payment dates. It is the way they are set up."

What kind of BS is this? Rather than calling and putting a representative on the spot, I used the online messaging service so the agent could research and provide a thoughtful, educated answer and got nonsense. US-based nonsense, but nonsense just the same.

Why did I get this card again? Oh yeah, 5% off gas at the time (long gone). What a joke.

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Postby PopiLopi » Thu Jun 21, 2012 11:50 pm

That sucks, but from experience I can tell you that sometimes it's not the CSR's fault. From experience I know that when companies get too big they tend to do things and don't even bother on explaining lower level employees the reasons behind their actions so they can assist customers properly, so that agent has to either come up with a creative answer to satisfy your request or be honest and say "I have no idea".

You may say, why didn't he/she asked a supervisor? In most cases they have access to the same information. In fact, a lot of companies have a group of agents that are paid to be "supervisors" when you ask to speak to one.
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Postby FastSRT8 » Fri Jun 22, 2012 1:17 am

Take this as an early warning of things to come. Just politely dump the card and move on. Don't be rude, just politely say you want to cancel. That way they can't 'monkey' with your file and leave some sort of negative mark on your credit history
Carpe diem quam minimum credula postero!

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Postby jeffysdad » Fri Jun 22, 2012 5:49 am

I'm currently using my Discover More for the 5% back at restaurants. I have my account set up for autopay of full statement balance. I also requested a payment date of the first of every month. All good.

I have set up my other cards the same way. The difference for me with Discover is that in changing the payment due date, they effectively shortened my grace period.

For all my other cards, when you move the payment due date the cycle date moves along with it 20-25 days before (whatever). Discover moved my due date up (to the 1st of mo. to accommodate my request) but left my cycle date where it was, shortening my grace period. This is a separate issue from autopay, from my understanding.
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*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby DavidNY » Fri Jun 22, 2012 2:52 pm

As long as they give at least 21 days in the cycle before it's due they're following the letter of the new law.

I just don't get why they can automatically take a minimum payment at the end of the cycle but can't take the whole enchilada.

It sounds like they are in the business of trying to confuse people into screwing up their checkbooks.

In my case, I just set up a manual payment at the end of the cycle.

I'd close it the account, but I've had it a long time. it would shorten my AAoA and no more 2% on non-Amex taking restaurants.

My last statement balance was about $50 by the way, and I think it will be $0 next period. I think it's time to leave it in the comfy chair.

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