<prompt> Human: Edit:Please consider the fact that it takes a while to get money out of my Discover account and I only have a 3 day grace period to pay the 840 each month  <response>: I am not following at all. You have 10,200 in a Discover savings account. You have an 840 monthly charge. Why cant you just have the monthly charge withdraw directly from the savings account? You get 6 free withdrawals a month and if you dont use the account for anything else, you wouldnt have to worry about being charged by Discover. 