Discover Credit Card Complaint

Discover Credit card department,

Payoff process Oklahoma

I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.