WN
Willem N
1 reviews | Active since Jan 2021
25 Oct 2022, 09:15
Enforcing payment when account is in positive balance.
I have a positive balance on my Discovery Credit Card but I am however expected to still make a payment. When speaking to their agents they tell me that my account is in a positive due to a refund and that a refund doesn't count as a payment. How can I be expected to pay Discovery Bank if I do not owe them any money. In fact, my account is in a positive therefore they owe me money, or not? I was told that if I do not make the payment, it will reflect negatively on my credit score.
Helpful (0)
Replies (6)0
Replies (6)Discovery Bank's replyOfficial
25 Oct 2022, 09:28Hi Willem
I am sorry about the frustration this has caused you.
Refunds are considered as funds that come from the credit card and paid back into the credit card, and you cant use funds from the credit card to pay off the credit card, that's why these funds are not considered as income.
Regards,
Palehelo
I am sorry about the frustration this has caused you.
Refunds are considered as funds that come from the credit card and paid back into the credit card, and you cant use funds from the credit card to pay off the credit card, that's why these funds are not considered as income.
Regards,
Palehelo
Discovery Bank's reply25 Oct 2022, 09:28
Official
Hi Willem
I am sorry about the frustration this has caused you.
Refunds are considered as funds that come from the credit card and paid back into the credit card, and you cant use funds from the credit card to pay off the credit card, that's why these funds are not considered as income.
Regards,
Palehelo
I am sorry about the frustration this has caused you.
Refunds are considered as funds that come from the credit card and paid back into the credit card, and you cant use funds from the credit card to pay off the credit card, that's why these funds are not considered as income.
Regards,
Palehelo
WN
Willem N's updateReviewer Update
25 Oct 2022, 09:50I am however not indebted to Discovery so why do I need to make a payment. There is nothing to pay Off.
WN
Willem N's update25 Oct 2022, 09:50
Reviewer Update
I am however not indebted to Discovery so why do I need to make a payment. There is nothing to pay Off.
WN
Willem N's updateReviewer Update
25 Oct 2022, 09:56Could you kindly show me the section in my credit agreement obliging me to make payment on an account that is in a positive balance.
WN
Willem N's update25 Oct 2022, 09:56
Reviewer Update
Could you kindly show me the section in my credit agreement obliging me to make payment on an account that is in a positive balance.
Discovery Bank's replyOfficial
26 Oct 2022, 20:26Hi Willem
I have asked our credit operations team to assist with this information, I will share it with you as soon as I get it.
Regards,
Palehelo
I have asked our credit operations team to assist with this information, I will share it with you as soon as I get it.
Regards,
Palehelo
Discovery Bank's reply26 Oct 2022, 20:26
Official
Hi Willem
I have asked our credit operations team to assist with this information, I will share it with you as soon as I get it.
Regards,
Palehelo
I have asked our credit operations team to assist with this information, I will share it with you as soon as I get it.
Regards,
Palehelo
WN
Willem N's updateReviewer Update
22 Nov 2022, 10:29I am still awaiting the information that Discovery Bank has undertaken to send to me. It is now almost a month in their reply.
WN
Willem N's update22 Nov 2022, 10:29
Reviewer Update
I am still awaiting the information that Discovery Bank has undertaken to send to me. It is now almost a month in their reply.
Discovery Bank's replyOfficial
05 Dec 2022, 16:18Hi Willem
Please pardon my delayed response, my credit operations team has confirmed that they are not able to provide this contractual information because you are a BIN migrated client (not new to bank) I have therefore reached out to my product operations team for assistance.
Regards,
Palehelo
Please pardon my delayed response, my credit operations team has confirmed that they are not able to provide this contractual information because you are a BIN migrated client (not new to bank) I have therefore reached out to my product operations team for assistance.
Regards,
Palehelo
Discovery Bank's reply05 Dec 2022, 16:18
Official
Hi Willem
Please pardon my delayed response, my credit operations team has confirmed that they are not able to provide this contractual information because you are a BIN migrated client (not new to bank) I have therefore reached out to my product operations team for assistance.
Regards,
Palehelo
Please pardon my delayed response, my credit operations team has confirmed that they are not able to provide this contractual information because you are a BIN migrated client (not new to bank) I have therefore reached out to my product operations team for assistance.
Regards,
Palehelo
