Bad customer experience leaves client out of pocket

On the 4th of January made a large purchase online to a foreign merchant and since one cannot put it on budget online, I immediately phoned Discovery to ask that they put the transaction on budget. They advised me to phone back one week later when the transaction has settled.

So it turns out the transaction settled the next day in time for the closing of my monthly statement.

I phoned back on the 11th of January (as per the advice given), asking to now put it on budget and they gladly send the query to whoever and ensures me everything is fine. They did not inform me that they failed in doing that.

So now the full amount is on my statement and it cannot be changed and I as the client is out of pocket.

The agent today really tried his best in assisting me but ultimately Discovery advised that I should have phoned sooner (basically in the window between the transaction settling and the closure of my monthly bill cycle).

This is a very bad customer experience and it leaves me in a predicament.

In the future, I won't use my Discovery card for important transactions as I just cannot trust them to follow my instructions and giving me proper advice and feedback when they failed to execute. In time, I might even close my account as this is not the service I expect from my bank. My bank should be the one place to be sensitive about my financial matters.