Discovery Bank [2018]

twr

Senior Member
Joined
Oct 14, 2008
Messages
757
Putting it all together
Spend levelHealthyFood rewardsHealthyGear & HealthyCare rewardsFuel rewardsFlightsGym rewards
R40,000 +
50%​
50%​
15%​
40%​
25%​
R35,000 - R40,000
42.50%​
50%​
15%​
35%​
25%​
R30,000 - R35,000
35%​
50%​
15%​
30%​
25%​
R25,000 - R30,000
27.50%​
50%​
15%​
25%​
25%​
R20,000 - R25,000
20%​
40%​
12.50%​
20%​
25%​
R15,000 - R20,000
17.50%​
35%​
11%​
17.50%​
25%​
R12,500 - R15,000
15%​
30%​
10%​
15%​
25%​
R10,000 - R12,500
12.50%​
25%​
8%​
12.50%​
20%​
R7,500 - R10,000
10%​
20%​
7%​
10%​
17.50%​
Well I'll be getting zero back then,I don't spend more than R7000 on my cc, this sucks
 

ECHLN

Well-Known Member
Joined
Sep 22, 2017
Messages
328
Does completing your Money Goal improve your Vitality Money status over a period of time?
 

nullv

Active Member
Joined
Jan 5, 2018
Messages
32
It shows the maximum you could with Vitality Money Diamond and your spend matching those bands
 

Pufferfish94

Well-Known Member
Joined
Sep 6, 2016
Messages
420
So I changed the password on my Credit Card when I got it yesterday and went today to a FNB ATM and checked my balance to ensure everything was setup, that all went well.

I then tried to make a payment on my card at Dischem and it got declined due to insufficient funds. This is not my primary card (I use FNB for everything except flights, dischem and groceries) so I dont have any money on the card yet but its a credit card so that shouldn't matter right?
 

citizensa

Senior Member
Joined
Aug 8, 2010
Messages
876
So I changed the password on my Credit Card when I got it yesterday and went today to a FNB ATM and checked my balance to ensure everything was setup, that all went well.

I then tried to make a payment on my card at Dischem and it got declined due to insufficient funds. This is not my primary card (I use FNB for everything except flights, dischem and groceries) so I dont have any money on the card yet but its a credit card so that shouldn't matter right?
It’s a credit card but what does it say about availability balance on the discovery app?
 

Snyper564

Expert Member
Joined
Oct 1, 2008
Messages
3,716
So I changed the password on my Credit Card when I got it yesterday and went today to a FNB ATM and checked my balance to ensure everything was setup, that all went well.

I then tried to make a payment on my card at Dischem and it got declined due to insufficient funds. This is not my primary card (I use FNB for everything except flights, dischem and groceries) so I dont have any money on the card yet but its a credit card so that shouldn't matter right?
its statements like this that make a cc dangerous in the wrong hands...
 

Pufferfish94

Well-Known Member
Joined
Sep 6, 2016
Messages
420
its statements like this that make a cc dangerous in the wrong hands...
In the wrong hands yes, but my girlfriend and I use it purely for groceries and before this we had to both pre load the card with how much we suspected we would need, hence credit card being easier as you then just pay it off. I have more then enough money to buy eggs and soap on my FNB card so come month end it will not be an issue.
 

Snyper564

Expert Member
Joined
Oct 1, 2008
Messages
3,716
In the wrong hands yes, but my girlfriend and I use it purely for groceries and before this we had to both pre load the card with how much we suspected we would need, hence credit card being easier as you then just pay it off. I have more then enough money to buy eggs and soap on my FNB card so come month end it will not be an issue.
Ah then no problem
 

Pufferfish94

Well-Known Member
Joined
Sep 6, 2016
Messages
420
Ah then no problem
I do however have a lot of friends who are exactly the kind of people you are talking about. Got themselves into credit card debt in their early 20's and thought nothing of it, they still don't in fact. A lot of people see it as free money to spend when yours runs out.

I use my credit card purely for convenience and increased rewards (Discovery Discounts and Ebucks) and pay it off through the app every 2 or 3 days.
 

Snyper564

Expert Member
Joined
Oct 1, 2008
Messages
3,716
I do however have a lot of friends who are exactly the kind of people you are talking about. Got themselves into credit card debt in their early 20's and thought nothing of it, they still don't in fact. A lot of people see it as free money to spend when yours runs out.

I use my credit card purely for convenience and increased rewards (Discovery Discounts and Ebucks) and pay it off through the app every 2 or 3 days.
perfect that's the right approach, its scary the amount of ppl who have cc debt. Emergencies aside if you cannot pay cash for something in short you cannot afford it
 

Pufferfish94

Well-Known Member
Joined
Sep 6, 2016
Messages
420
perfect that's the right approach, its scary the amount of ppl who have cc debt. Emergencies aside if you cannot pay cash for something in short you cannot afford it
Yeah not that I feel my way of doing things is the best or only option but I do feel like people need to be taught this stuff at school, and more then the basic, dont get into debt talk
 

Jehosefat

Expert Member
Joined
May 8, 2012
Messages
1,234
I use my credit card purely for convenience and increased rewards (Discovery Discounts and Ebucks) and pay it off through the app every 2 or 3 days.
Paying it off that often really doesn't sound convenient at all...

Why not just set up a monthly debit order to pay the full statement balance? That way you still never pay interest and it requires no input from you once it's set up.
 

Pufferfish94

Well-Known Member
Joined
Sep 6, 2016
Messages
420
Paying it off that often really doesn't sound convenient at all...

Why not just set up a monthly debit order to pay the full statement balance? That way you still never pay interest and it requires no input from you once it's set up.
Yeah I am happy to do it that way, but I like to look at my cheque account and see exactly how much money I actually have. And it takes me about 2 minutes in the morning to categorize the previous days transactions on 22Seven and pay my credit card on the FNB app.

I do also have a debit order setup in case I forget though.
 

Nathan1082

Active Member
Joined
May 22, 2012
Messages
74
Quick question. My healthycare always paid into my dischem card. Since i moved to discovery bank, it seems to have been paid into my vitality savings account. Has this happened to anyone else?
 
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