Discovery Bank

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?
 
Pufferfish94 said:
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?
Click to expand...

It’s a credit card but what does it say about availability balance on the discovery app?
 
Pufferfish94 said:
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?
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its statements like this that make a cc dangerous in the wrong hands...
 
Snyper564 said:
its statements like this that make a cc dangerous in the wrong hands...
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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.
 
Pufferfish94 said:
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.
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Ah then no problem
 
Snyper564 said:
Ah then no problem
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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.
 
Pufferfish94 said:
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.
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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
 
Snyper564 said:
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
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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
 
Pufferfish94 said:
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.
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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.
 
Jehosefat said:
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.
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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.
 
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?
 
Nathan1082 said:
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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Yes all my healthy living and devise boosters have been paid into my savings account
 
Nathan1082 said:
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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Used to be paid in points.now it's being paid to my vitality savings
 
I thought my Insure Cashback would be paid into my Discovery Savings account automatically, but its not.. Hmf. Anyone have the link where to change cashback account details?
 
Recallza said:
I thought my Insure Cashback would be paid into my Discovery Savings account automatically, but its not.. Hmf. Anyone have the link where to change cashback account details?
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Got to update your bank details, the home page of the discovery website - bottom right Manage your details . Go through the update your details portal not the update your bank details.
 
citizensa said:
It’s a credit card but what does it say about availability balance on the discovery app?
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Yeah so available balance is R0.00.

Anyone know how to fix that? I have transferred some money to my credit card now in case that helps but will have to wait for that to appear.
 
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