- Report: #1372464
Complaint Review: Discover Card - Nationwide
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Discover Card
Nationwide, USA
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Discover Card I guess grace periods mean nothing anymore? Waiting a couple of days on a payment apparently will make this company fold and be doomed to fail Greenwood Delaware
As will happen from time to time, paydays will fall inconveniently. I have/had a payment due on the 14th, just several days from my payday. With some unexpected expenses hitting me, I called them and asked about them possibly holding off for a few days until I was secure about having good money in my account before sending them a payment.
I was told they can't--more factually won't--wait a couple of days, and that if I submitted a late payment, I could always call and ask for the late fee to be removed, and you know d**n well they won't do that. In asking to extend it a couple of days, they said that I could reset my payment date for a later date for future payments.
Stupid!! Not what I asked! They also said they would have to classify it as a "hardship" for me to qualify for holding off on it. Excuse me, morons at lovely Discover...you do NOT decide what a money hardship is for me. And it wouldn't send you into financial ruin to wait a few days until I knew I had secure funds (extra padding) in my bank account.
The bottom line is ultimately they have no good reason to do this, and "guidelines" don't mean anything if you can't justify them, it doesn't matter how big you think your company is. I guess grace periods don't mean anything anymore? It's all about lining the company's pockets no matter what it does to the customer.
I only have this card for emergencies, and if it wasn't for that, I would have never applied. Here's to the almighty profit margin huh, Discover. Thanks for absolutely nothing!!
1 Updates & Rebuttals
Robert
Irvine,California,
USA
Grace Period?...Laughable
#2Consumer Comment
Wed, May 10, 2017
On the off chance you are serious, you perhaps have the biggest "Entitlement Attitude" that we have seen on this site
for a while.
I don't know what decade you are stuck in but there hasn't been a "Grace Period" on Credit Cards since well before the turn of this Century. There is no more "The check is in the mail". If your payment is received 1 minute AFTER the cut-off time on the due date you are late. If you try the "Well all of my other credit cards have a grace period", anyone who deals with credit knows that would be a bunch of BS. Of course if you are going to go with that line, perhaps you should also give us the name of these Credit Card companies.
Your due date by FEDERAL law the same date EVERY month, and it has been this way since the Credit Card Acts of 2010. So there is NO reason you can't plan ahead for the upcoming bill. This is what people who have GOOD credit do..they take responsibility, and budget. If you are struggling doing this then you have bigger financial issues than a Credit Card company not allowing you to pay a couple of days late.
But your last line was totally classic..
Thanks for absolutely nothing!!
- Nothing? They issued you a credit card and allowed you to borrow a certain amount of their money. For this they "trusted" you that you would pay them back as you had agreed to when you opened the account. Guess they were wrong and with your Entitlement Attitude you figure you have every right to pay them back whenever you feel like and they just have to take it.
Now with that said I will give you a provisional benefit of the doubt. If your due date is the 14th, you still have a few days(as of this post) to make your payment this month. They only require the minimum payment, you don't have to pay it off. However, if you are struggling to even make the minimum then again you have bigger financial issues that you need to be worrying about.
No I do not now or have I ever worked for this or any other Credit Card company.
