Discovery Bank

remlon said:
seems loads of people are complaining about being charged big interest penalties on their discovery cards despite full settlement within the up to 55 days' interest free credit.
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I also got surprise interest on my CC despite paying the full amount paid on time. Maybe a bug in their system that they need to fix.
 
Are the monthly spend limits on HealthyFood, HealthyCare, HealthyGear of R2000 per calendar month or per monthly billing cycle? Think my billing cycle date is the 24th
Also, can anyone perhaps confirm if Vitality Money cash back is based on status at previous month / at time of transaction / at cycle billing date? I only opened an account recently and just moved to diamond status
 
riddler said:
Are the monthly spend limits on HealthyFood, HealthyCare, HealthyGear of R2000 per calendar month or per monthly billing cycle? Think my billing cycle date is the 24th
Also, can anyone perhaps confirm if Vitality Money cash back is based on status at previous month / at time of transaction / at cycle billing date? I only opened an account recently and just moved to diamond status
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It reminds me that Discovery has actually become a victim of its own innovation.
There is SO much damn complexity when working out rewards.
Vitality, vitality money, vitality drive, vitality memory points for life insurance, qualifying spend, card colour, account type, it's too much.

I've just seen that I never received any healthy food cash back last month. Who knows if I'll get it this month. I'm supposed to be getting 87.5% back.
I don't even know why or where to start checking.
Perhaps there was some box I didn't check, some action I didn't take, a questionnaireI didn't fill out, a survey I didn't fill in.
Where do you even start?
 
Koosvanwyk said:
It came through in DMiles for certain people, maybe start there?
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I also didn’t get my miles for healthy food. Queried it last Monday and according to their records it had been paid the previous week. The Vitality consultant then contacted Discovery Bank who confirmed that no healthy food benefit had been received. So now they’re investigating where my 15,000 miles have disappeared to. Perhaps @remlon is in the same boat?
 
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My payment cycle is next week. I suppose they still don’t give you a summary on how the calculation has been done.
 
ab12312390 said:
I also got surprise interest on my CC despite paying the full amount paid on time. Maybe a bug in their system that they need to fix.
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Well it happened again this month, despite paying just over the full amount and 10 days before the payment due date,I get charged interest again, last month far enough I paid just short of the full amount and learning from a poster here advises that they charge interest on the full amount not the shirt payment.

But what happened this month then ? Despite paying the full amount due

Does anyone have an email address to bank,the one I have ([email protected]) returns to say they aren't responding to that email address
 
twr said:
Does anyone have an email address to bank,the one I have ([email protected]) returns to say they aren't responding to that email address
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Why not call the 24 hour line, they wil log the query for you.

0860 11 2265

Let us know what happens, would like to know what is causing the interest.
 
beefymoocow said:
My payment cycle is next week. I suppose they still don’t give you a summary on how the calculation has been done.
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No, but the at least now split it between the reward types and between bank and health, so you can do are high level sanity checks.
 
Koosvanwyk said:
Why not call the 24 hour line, they wil log the query for you.

0860 11 2265

Let us know what happens, would like to know what is causing the interest.
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Phoning them.will use up my airtime, I would phone from.work but I'm not at the moment
 
twr said:
Well it happened again this month, despite paying just over the full amount and 10 days before the payment due date,I get charged interest again, last month far enough I paid just short of the full amount and learning from a poster here advises that they charge interest on the full amount not the shirt payment.

But what happened this month then ? Despite paying the full amount due

Does anyone have an email address to bank,the one I have ([email protected]) returns to say they aren't responding to that email address
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Was your interest lower in the second month? At the end of March I missed a payment. So I got charged interest in the first week of April. In may I also got charged interest but a lower amount although I made my payment in time. When I phoned them. They said the interest charged in April was for Feb and the interest charged in May was for March since the credit period is 55 days. This is a different way discovery charges interest. With fnb I would of gotten charge the full interest payable in April.
 
beefymoocow said:
Was your interest lower in the second month? At the end of March I missed a payment. So I got charged interest in the first week of April. In may I also got charged interest but a lower amount although I made my payment in time. When I phoned them. They said the interest charged in April was for Feb and the interest charged in May was for March since the credit period is 55 days. This is a different way discovery charges interest. With fnb I would of gotten charge the full interest payable in April.
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It was less yes,but then again my amount due was significantly less as well.
So even though you pay the full amount due one still can be charged in the second following month! Well good to know at least . But in Feb I paid the full amount so I shouldn't have been charged in April tho?
 
Koosvanwyk said:
Why not call the 24 hour line, they wil log the query for you.

0860 11 2265

Let us know what happens, would like to know what is causing the interest.
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Peeves me no end because now you'll spend all your airtime hanging on after their introductory message hoping someone will answer.

I couldn't even report a lost card without being in the queue for 20 minutes. Tried to email them but received a reply the next day saying thank you for you email, please phone xxxxxxxxx to report a lost card. Luckily it wasn't tap and go.

Really despicable company.
 
twr said:
It was less yes,but then again my amount due was significantly less as well.
So even though you pay the full amount due one still can be charged in the second following month! Well good to know at least . But in Feb I paid the full amount so I shouldn't have been charged in April tho?
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That was their explanation. I still don’t really understand it. But she said I shouldn’t get charged any interest next month. If I make the necessary payment.
 
remlon said:
please keep us updated on this.
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Called them again about the incorrect interest being charged. They say they're aware of an issue with their system and will be sending out an email "sometime" regarding the resolution. No ETA though.
 
Just got more miles from last week's exercise. Love this campaign!
 
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