Discover Credit Card with Balance Transfer at 0% APR
Guest: jbkinn
Post subject: Discover Credit Card with Balance Transfer at 0% APR
Posted: Sat Dec 30, 2006 9:50 am
An amazing thing has happened to my Discover Card. I had a BT at 0% for as long as I made two purchases a month and paid the bill on time. I made a mistake last month and made the purchases one day late. When I called customer service about this they said I might be able to have the BT at 0% reinstated and the finance charge credited for one time. After a few days it was reinstated and refunded as they said. I have set into motion a method to make sure the charges are done on time and the bill is paid on time. Unfortunatly they do not have an automatic payment method in place. So what I can do is to be reminded on my Treo one month in advance to schedule the payment on the web site in advance of the due date.
I truely was surprised that they would do this and that they offered to do it without me asking.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor
Posted: Sat Dec 30, 2006 10:07 am
Wow! I'm impressed. Discover customer service rocks! Anyone else have a similar experience?
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
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Guest: ALex
Credit Expert (100+ Posts)
Posted: Sat Dec 30, 2006 10:39 am
jbkinn wrote:
An amazing thing has happened to my Discover Card. I had a BT at 0% for as long as I made two purchases a month and paid the bill on time. I made a mistake last month and made the purchases one day late. When I called customer service about this they said I might be able to have the BT at 0% reinstated and the finance charge credited for one time. After a few days it was reinstated and refunded as they said. I have set into motion a method to make sure the charges are done on time and the bill is paid on time. Unfortunatly they do not have an automatic payment method in place. So what I can do is to be reminded on my Treo one month in advance to schedule the payment on the web site in advance of the due date.
Do you have online banking with your Bank that services your checking account? you may be able to set up auto payments.. I Have BOA checking and savings and I can set up recurring monthly payments on my creditors..
I truely was surprised that they would do this and that they offered to do it without me asking.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Ed
Posted: Wed Jan 17, 2007 9:04 pm
I just got one in the mail and was curious, If I make my payment it goes to the largest outstanding balance as I understand the offer. You must make two purchases each month. The balance on these two purchases will include interest and will not go down until the bt is paid off.
So here is my question. If I make those two purchases each month and I return the items for refund would this be credited to the bt or the purchase balance made that month? Is this a loop hole or has discover found a way to prevent this Just curious.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Discover Credit Card with Balance Transfer at 0% APR
Posted: Sat Dec 30, 2006 9:50 am
An amazing thing has happened to my Discover Card. I had a BT at 0% for as long as I made two purchases a month and paid the bill on time. I made a mistake last month and made the purchases one day late. When I called customer service about this they said I might be able to have the BT at 0% reinstated and the finance charge credited for one time. After a few days it was reinstated and refunded as they said. I have set into motion a method to make sure the charges are done on time and the bill is paid on time. Unfortunatly they do not have an automatic payment method in place. So what I can do is to be reminded on my Treo one month in advance to schedule the payment on the web site in advance of the due date.
I truely was surprised that they would do this and that they offered to do it without me asking.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor
Posted: Sat Dec 30, 2006 10:07 am
Wow! I'm impressed. Discover customer service rocks! Anyone else have a similar experience?
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: ALex
Credit Expert (100+ Posts)
Posted: Sat Dec 30, 2006 10:39 am
jbkinn wrote:
An amazing thing has happened to my Discover Card. I had a BT at 0% for as long as I made two purchases a month and paid the bill on time. I made a mistake last month and made the purchases one day late. When I called customer service about this they said I might be able to have the BT at 0% reinstated and the finance charge credited for one time. After a few days it was reinstated and refunded as they said. I have set into motion a method to make sure the charges are done on time and the bill is paid on time. Unfortunatly they do not have an automatic payment method in place. So what I can do is to be reminded on my Treo one month in advance to schedule the payment on the web site in advance of the due date.
Do you have online banking with your Bank that services your checking account? you may be able to set up auto payments.. I Have BOA checking and savings and I can set up recurring monthly payments on my creditors..
I truely was surprised that they would do this and that they offered to do it without me asking.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Ed
Posted: Wed Jan 17, 2007 9:04 pm
I just got one in the mail and was curious, If I make my payment it goes to the largest outstanding balance as I understand the offer. You must make two purchases each month. The balance on these two purchases will include interest and will not go down until the bt is paid off.
So here is my question. If I make those two purchases each month and I return the items for refund would this be credited to the bt or the purchase balance made that month? Is this a loop hole or has discover found a way to prevent this Just curious.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:12 PM
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