This is an example of terms that were available to recent applicants as of 06/30/22. They may not be available now. If you apply, your terms will be based on that offer. 
This Pricing Schedule is part of the Cardmember Agreement

03/31/20. 

PRICING SCHEDULE

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

From 12.74% to 23.74%. This APR will vary with the market based on the Prime Rate.1

From 12.74% to 23.74%. This APR will vary with the market based on the Prime Rate.1

3 49

3 49

4 49

4 49

25.74%. This APR will vary with the market based on the Prime Rate.2

6 49

Penalty APR and When It Applies

None

Paying Interest

Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in 
February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We 
will begin charging interest on cash advances and balance transfers as of the later of the transaction date or the first day of the 
billing period in which the transaction posted to your account. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50

Fees

Annual Fee

Balance Transfer Fee

Cash Advance Fee

Late Fee

Returned Payment Fee

None

5
5% of the amount of each transfer.

Either $10 or 5% of the amount of each cash advance, whichever is greater.

None the first time you pay late. After that, up to $40

9

Up to $40
9

How We Will Calculate Your Balance: We will use a method called “daily balance (including current transactions).” See the Cardmember Agreement for details.

1The purchase and balance transfer APR is equal to the Prime Rate plus a margin from 8.74% to 19.74%.

2The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%. 

©2022 Discover Bank, Member FDIC
©2020 Discover Bank, Member 
CMAPRDI063022
FDIC CMAPRDI033120

-1-

CARDMEMBER AGREEMENT

Thank you for choosing Discover® Card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including 
the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a “Definitions” section for your reference on page 4.

ACCEPTANCE OF AGREEMENT

 You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the 
Account. You may, however, reject the “Arbitration of Disputes” section as explained in that section.

CHANGES TO YOUR AGREEMENT

 The rates, fees, and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance 
written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law.

USING YOUR ACCOUNT

Permitted Uses 

Authorized Users 

Joint Accounts  

Checks 

Credit Authorizations 

Credit Lines 

You may use your Account for Purchases, Balance Transfers, and Cash Advances. You may not use it for illegal transactions.

 You may request additional Cards for Authorized Users to make transactions on your Account. You must notify us if you wish to cancel the authority of an Authorized User 
to use your Account. You are responsible for all charges made by your Authorized Users.

 If your Account is a joint Account 
• each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and 
• any notice we mail to an address provided by either of you for the Account will serve as notice to both of you.

 If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer, or Cash Advance. You may not use these Checks to pay 
any amount you owe us.

 We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check, 
or Account number.

We  will  tell  you  what  your  Account  credit  line  is.  You  must  keep  your  Account  balance  below  your  Account  credit  line.  If  you  do  not,  we  may  request  immediate 
payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your 
Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days.

FEES (See your Pricing Schedule for Additional Fees)

Late Fee

Returned Payment Fee

 We will not charge a Late Fee the first time you do not make the Minimum Payment Due by the Payment Due Date. After that, if you do not pay the Minimum Payment Due 
by the Payment Due Date, we will charge you a Late Fee. The fee is $29, if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is 
$40. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.

If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we re-submit it. 
The fee is $29, if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $40. This fee will never exceed the Minimum 
Payment Due that was due immediately prior to the date on which the payment was returned to us.

ANNUAL PERCENTAGE RATES (“APRs”) (See your Pricing Schedule for the APRs that apply to your Account)

Variable APRs

 Your Pricing Schedule may include variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. Variable APRs 
will increase or decrease when the Prime Rate changes. The APR change will take effect on the first day of the billing period that begins during the same calendar month 
that the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.

Penalty APR

None

MAKING PAYMENTS

Payment Instructions

•  You  must  pay  in  U.S.  dollars.  Please  do  not  send  cash.  Sending  cash  is  not 

•  We  credit  your  payments  in  accordance  with  the  terms  contained  on  your  

Minimum Payment Due

allowed. All checks must be drawn on funds on deposit in the U.S. 

billing statement.

•  You must pay us for all amounts due on your Account. This includes charges made 

by Authorized Users.

•  We may refuse to accept a payment in a foreign currency. If we do accept it,  

we will charge your Account our cost to convert it to U.S. dollars.

•   We  can  accept  late  payments,  partial  payments,  or  payments  marked 
“payment  in  full”  or  with  any  other  restrictive  endorsement  without 
losing any of our rights under this Agreement.

•  If you mail your payment to an address other than the address designated on your 
billing statement, there may be a delay in processing and crediting the payment 
to your Account.

•  If a third party makes a payment on your Account and we return all or a part of 
such payment, then we may adjust your Account for any amount returned. We 
reserve the right to defend ourselves against any demand to return funds we 
have received, and may agree to a compromise of the demanded amount as part 
of a settlement.

You  may  pay  the  entire  New  Balance  shown  on  your  billing  statement  at  any 
time. Each billing period you must pay at least the Minimum Payment Due by the 
Payment Due Date shown on your billing statement. The Minimum Payment Due 
will be any amount past due plus the greater of:
• $35; or
• 2% of the New Balance shown on your billing statement; or
•  $20, plus any of the following charges as shown on your billing statement: fees 

for any debt protection product that you enrolled in on or after 2/1/2015; Interest 
Charges; and Late Fees.

The  Minimum  Payment  Due  may  also  include  amounts  by  which  you  exceed 
your Account credit line. However, it will never exceed the New Balance. When 
we calculate the Minimum Payment Due, we may subtract from the New Balance 
certain fees added to your Account during the billing period. The Minimum Payment 
Due is rounded up to the nearest dollar.

©2022 Discover Bank, Member FDIC

-2-

 
 
 
 
 
 
MAKING PAYMENTS

How We Apply Payments

INTEREST CHARGES

How We Calculate Interest 
Charges—Daily Balance 
Method (including current 
transactions) 

Paying Interest

 We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required 
by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with 
lower APRs as of the date we credit your payment.

 We  calculate  interest  charges  each  billing  period  by  first  figuring  the  “daily 
balance” for each Transaction Category. Transaction Categories include standard 
Purchases, standard Cash Advances, and different promotional balances, such as 
Balance Transfers.
How We Figure the Daily Balance for Each Transaction Category
•  We  start  with  the  beginning  balance  for  each  day.  The  beginning  balance  for 
the first day of the billing period is your balance on the last day of your previous 
billing period.

•  We add any interest charges accrued on the previous day’s daily balance and any 
new transactions and fees. We add any new transactions or fees as of the later of 
the Transaction Date or the first day of the billing period in which the transaction 
or fee posted to your Account.

• We subtract any new credits and payments.

•  We make other adjustments (including those adjustments required in the “Paying 

Interest” section).

How We Figure Your Total Interest Charges
•  We multiply the daily balance for each Transaction Category by its daily periodic 
rate. We do this for each day in the billing period. This gives us the interest charges  
for each Transaction Category. To get a daily periodic rate, we divide the APR that 
applies to the Transaction Category by 365.

•  We add up all the daily interest charges. The sum is the total interest charge for 

the billing period.
How We Include Fees
 We  add  Balance  Transfer  Fees  to  the  applicable  Balance  Transfer  Transaction 
Category. We add Cash Advance Fees to the applicable Cash Advance Transaction 
Category. We add all other fees to the standard Purchase Transaction Category.

 When Interest Charges Begin
We begin to impose interest charges on a transaction, fee, or interest charge from 
the day we add it to the daily balance. We continue to impose interest charges 
until you pay the total amount you owe us. You can avoid paying interest on 
Purchases as described below. However, you cannot avoid paying interest on 
Balance Transfers or Cash Advances.
 How to Avoid Paying Interest on Purchases (“Grace Period”)
If you pay the New Balance on your current billing statement by the Payment Due 
Date  shown  on  that  billing  statement,  we  will  not  impose  interest  charges  on 

New Purchases. New Purchases are Purchases that first appear on the next billing 
statement. Interest will continue to accrue each day on Purchases that appeared on 
previous billing statements until you pay the New Balance in full and will be billed 
in the next billing cycle.
How We Apply Payments May Impact Your Grace Period
If you do not pay your New Balance in full each month, then, depending on the 
balance  to  which  we  apply  your  payment,  you  may  not  get  a  grace  period  on  
New Purchases.

OTHER IMPORTANT INFORMATION

Default

Collection Costs

Merchant Disputes

Automatic Account 
Information Updates

Our Privacy Policy

Credit Reporting Agency 
Information

Our Communications  
with You

You are in default if:
•  you file bankruptcy or another insolvency proceeding is filed by you or against you;
•   we have a reasonable belief that you are unable or unwilling to repay your 

obligations to us;

•  you die or are legally declared incompetent or incapacitated; 

•   you fail to comply with the terms of this Agreement or any Agreement with us or 
an Affiliate, including failing to make a required payment when due, exceeding 
your Account credit line or using your Card or Account for an illegal transaction.
If you are in default, we may declare the entire balance of your Account immediately 
due and payable without notice.

If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys’ fees, court or other collection costs, 
and fees and costs of any appeal. 

If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us 
your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing.

You may set up automatic billing or store your Account information with an Affiliate, merchant, wallet provider, or other third party (“Permitted Party”). If you do, you authorize 
us to share your Account information, which may include your rewards account balance, with the Permitted Party, regarding the use of your Account. If your Account information 
changes, which may include your billing address, you authorize us to provide this updated information to any such Permitted Party at our discretion. You must contact the Permitted 
Party directly or remove your credit card information from the Permitted Party website if you wish to stop automatic billing or Account updates.

We send you our Privacy Policy when you open your Account and annually. 
Contact us or visit Discover.com if you would like a copy. Please read it carefully. 
It summarizes:  
• the personal information we collect;

• how we safeguard its confidentiality and security; 
• when it may be shared with others; and  
• how you can limit our sharing of this information.

You authorize us to get information from credit reporting agencies and other sources for servicing or review of your Account, collection, and any other use permitted by law, 
including to consider you for other products and services. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We 
normally report to credit reporting agencies each month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, P.O. Box 30939, Salt 
Lake City, UT 84130-0939. Please include your name, address, home phone number,  and Account number.

You agree that we, our Affiliates, and agents, including service providers (“Authorized Parties”) may contact you, including calls, text message, or email, about any current or 
future accounts or applications, with respect to all products you have with us at any phone number or email (i) you have provided to us, (ii) from which you contacted us, or (iii) 
which we obtained and believe we can reach you at, even if your phone provider may charge you message and data rates for calls or texts. You agree that the Authorized Parties 
may record or monitor any calls between you and the Authorized Parties. You agree to notify us if you change or discontinue using any phone number you provide. You agree 
that the Authorized Parties may contact you using an automatic dialer or pre-recorded voice message. If you no longer wish to be contacted on your cell phone by an automated 
dialer or pre-recorded voice message, you must provide us written notice canceling your consent at this address: Discover Bank, P.O. Box 30937, Salt Lake City, UT 84130-0937. 
The written notice must include: your name, mailing address, the last four digits of your Account number, and the specific cell phone number(s) for which you would like to cancel 
your consent to be contacted by an automated dialer or pre-recorded voice message.

Unauthorized Use

You must notify us immediately if: your Card is lost or stolen or you believe someone is using your Account or a Card without your permission.

-3-

Cancellation of 
Your Account

•   You may cancel your Account. You will remain responsible for any amount you 

•  We may cancel, suspend, or not renew your Account at any time without notice.

owe us under this Agreement. 

•   Any joint Accountholder may cancel a joint Account. However, both of you will  

remain responsible for paying all amounts owed.

OTHER IMPORTANT INFORMATION

Purchases and Cash Advances 
in Foreign Currencies

If you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a rate we choose. This rate will either be a government-mandated 
rate, a government-published rate, or the interbank exchange rate, depending on the country and currency in which the transaction is made. We use the rate in effect on 
the conversion date for the transaction. This rate may be different than the rate in effect on the Transaction Date for the transaction.

Governing Law

This Agreement is governed by applicable federal law and by Delaware law. However, in the event you default and we file a lawsuit to recover funds loaned to you, the 
statute of limitations of the state where the lawsuit is filed will apply, without regard to that state’s conflicts of laws principles or its “borrowing statute.”

Severability

Except as set forth in the “Arbitration” section, if any part of this Agreement is found to be invalid, the rest of it will still remain in effect.

Enforcing this Agreement

We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them.

Assignment of Account

MILITARY BORROWERS

Statement of MAPR

Oral Disclosures

CONTACT US

We may sell, assign, or transfer your Account or any portion of it without notice to you. You may not sell, assign, or transfer your Account without first obtaining our prior 
written consent.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate must include, as applicable 
to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; 
(3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain 
participation fees for a credit card account). If you would like more information about whether this section applies to you, please contact us at 1- 844- DFS- 4MIL (1-844-
337-4645) anytime 24/7. If calling outside the U.S., you can contact us at +1-801-451-3730.

Before agreeing to this Agreement, in order to hear important disclosures and payment information about this Agreement, please call 1- 844- DFS- 4MIL (1-844-337-4645) 
anytime 24/7. If calling outside the U.S., you can contact us at +1-801-451-3730. 

Unless we tell you otherwise, you can notify us: by phone at 1-800-347-3085 or  in writing to Discover, P.O. Box 30943, Salt Lake City, UT 84130-0943.
When writing, please include your name, address, home phone number, and Account number. You must contact us within 15 days after changing your email address, mailing address, or phone number.

DEFINITIONS

“Account” means your Discover Card account.
“Affiliate” means our parent corporations, subsidiaries, and affiliates.
“  Authorized User” means any person you authorize to use your Account or a Card, whether you 
notify us or not.
“Balance Transfer” means a balance transferred from another creditor to your Account.
“Card” means any one or more Discover cards issued to you or someone else with your authorization.
“Cash Advance” means the use of your Account for:
  •  obtaining cash from participating automated teller machines, financial institutions, or other 

locations; and

  •  online gambling, or to purchase lottery tickets, money orders, casino chips, foreign currency, or 

“Check” means any check we send to you to access your Account.
“ Pricing Schedule” means the document entitled “Pricing Schedule,” which lists the APRs that apply 
to your Account and other important information.
“ Prime Rate” means the highest rate of interest listed as the U.S. Prime Rate in the Money Rates 
section of the online Wall Street Journal (www.wsj.com) on the last business day of the month.
“ Purchase” means the use of your Account to purchase or lease goods or services at  
participating merchants.
“We,” “us,” and “our” refer to Discover Bank, the issuer of your Card.
“ You,” “your,” or “yours” refer to you and any other person(s) who are also contractually liable 
under this Agreement.
“Transaction Date” means the date shown on your billing statement for a transaction or fee.

similar items.

ARBITRATION

Agreement to Arbitrate. In the event of a dispute between you 
and us arising out of or relating to this Account or the relationships 
resulting from this Account or any other dispute between you or 
us, including, for example, a dispute based on a federal or state 
statute or local ordinance (“Claim”), either you or we may choose 
to  resolve  the  Claim  by  binding  arbitration,  as  described  below, 
instead of in court. Any Claim (except for a Claim challenging the 
validity  or  enforceability  of  this  arbitration  agreement,  including 
the Class Action Waiver) may be resolved by binding arbitration 
if  either  side  requests  it.  THIS  MEANS  IF  EITHER  YOU  OR  WE 
CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO 
LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO 
DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION.
Even if all parties have opted to litigate a Claim in court, you or 
we  may  elect  arbitration  with  respect  to  any  Claim  made  by 
a  new  party  or  any  new  Claims  later  asserted  in  that  lawsuit. 

like  more 

This  arbitration  agreement  does  not  apply  if,  on  the  date  you 
submit  your  Application  or  on  the  date  we  seek  to  invoke 
this  arbitration  agreement,  you  are  a  member  of  the  Armed 
Forces or a dependent of such a member covered by the federal 
Military  Lending  Act. 
information 
If  you  would 
about  whether  you  are  covered  by  the  Military  Lending  Act, 
please  contact  us  at  1-844-DFS-4MIL  (1-844-337-4645)  or 
if  you  are  calling  from  outside  the  U.S.  at  +1-801-451-3730.
CLASS  ACTION  WAIVER.  ARBITRATION  MUST  BE  ON  AN 
INDIVIDUAL  BASIS.  THIS  MEANS  NEITHER  YOU  NOR  WE  MAY 
JOIN  OR  CONSOLIDATE  CLAIMS 
IN  ARBITRATION  BY  OR 
AGAINST  OTHER  CARDMEMBERS,  OR  LITIGATE  IN  COURT  OR 
ARBITRATE  ANY  CLAIMS  AS  A  REPRESENTATIVE  OR  MEMBER 
OF  A  CLASS  OR  IN  A  PRIVATE  ATTORNEY  GENERAL  CAPACITY. 
The  arbitrator  may  award  injunctive  relief  only  in  favor  of  the 
individual  party  seeking  relief  and  only  to  the  extent  necessary 
to  provide  relief  warranted  by  that  party’s  individual  Claim.  The 
arbitrator may not award class, representative, or public injunctive 

-4-

relief. If a court decides that applicable law precludes enforcement of 
any of this paragraph’s limitations as to a particular Claim for relief, 
then after all appeals from that decision have been exhausted, that 
Claim (and only that Claim) must be severed from the arbitration and 
may be brought in court. Only a court, and not an arbitrator, shall 
determine the validity, scope, and effect of the Class Action Waiver.
Your Right to Go To Small Claims Court. We will not choose 
to arbitrate any individual Claim you bring in small Claims court 
or  your  state’s  equivalent  court.  However,  if  such  a  Claim  is 
transferred, removed, or appealed to a different court, we may 
then choose to arbitrate.
Governing  Law  and  Rules.  This  arbitration  agreement  is 
governed by the Federal Arbitration Act (“FAA”). Arbitration must 
proceed only with the American Arbitration Association (“AAA”). 
The  rules  for  the  arbitration  will  be  those  in  this  arbitration 
agreement and the procedures of the AAA, but the rules in this 
arbitration  agreement  will  be  followed  if  there  is  disagreement 

ARBITRATION

between the agreement and the AAA’s procedures. If the AAA’s 
procedures change after the Claim is filed, the procedures in effect 
when the Claim was filed will apply.
For a copy of the AAA’s procedures, to file a Claim, or for other 
information,  please  contact  the  AAA  at  1101  Laurel  Oak  Rd., 
Voorhees, NJ 08043, www.adr.org (1-877-495-4185).
If the AAA is completely unavailable, and if you and we cannot 
agree on a substitute, then either you or we may request that a 
court with jurisdiction appoint a substitute.
Fees and Costs. If you wish to begin arbitration against us but 
you cannot afford to pay the AAA’s or arbitrator’s costs, we will 
advance those costs if you ask us in writing. Any request like this 
should  be  sent  to  Discover,  P.O.  Box  30421,  Salt  Lake  City,  UT 
84130-0421. If you lose the arbitration, the arbitrator will decide 
whether you must reimburse us for money we advanced for you 
for the arbitration. If you win the arbitration, we will not ask for 
reimbursement of money we advanced. Additionally, if you win the 
arbitration, the arbitrator may decide that you are entitled to be 
reimbursed your reasonable attorneys’ fees and costs (if actually 
paid by you).
Hearings and Decisions. Arbitration hearings will take place in 
the federal judicial district where you live. A single arbitrator will 
be appointed. The arbitrator must:
•  Follow all applicable substantive law, except when contradicted 

by the FAA;

• Follow applicable statutes of limitations;
• Honor valid Claims of privilege;
• Issue a written decision including the reasons for the award.

The arbitrator’s decision will be final and binding except for any 
review allowed by the FAA. However, if more than $100,000 was 
genuinely in dispute, then either you or we may choose to appeal to 
a new panel of three arbitrators. The appellate panel is completely 
free to accept or reject the entire original award or any part of it. 
The appeal must be filed with AAA not later than 30 days after 
the original award issues. The appealing party pays all appellate 
costs unless the appellate panel determines otherwise as part of 
its award.
Claim Notice and Special Payment. If you have a Claim, before 
initiating an arbitration proceeding, you may give us written notice 
of the Claim (“Claim Notice”) at least 30 days before initiating the 
arbitration proceeding. The Claim Notice must include your name, 
address, and account number and explain in reasonable detail the 
nature  of  the  Claim  and  any  supporting  facts.  Any  Claim  Notice 
shall be sent to us at Discover, P.O. Box 794, Deerfield, IL 60015 
(or such other address as we shall subsequently provide to you). 
If, and only if, (1) you submit a Claim Notice in accordance with 
this  agreement  on  your  own  behalf  (and  not  on  behalf  of  any 
other  party);  and  (2)  an  arbitrator,  after  finding  in  your  favor  in 
any  respect  on  the  merits  of  your  Claim,  issues  you  an  award 
that  (excluding  any  arbitration  fees  or  attorneys’  fees  and  costs 
awarded  by  the  arbitrator)  is  greater  than  the  value  of  the  last 
written settlement offer from Discover made before an arbitrator 
was selected, then you will be entitled to the amount of the award 
or $7,500, whichever is greater. If you are entitled to the $7,500, 
you will receive in addition any arbitration fees or attorneys’ fees 
and costs awarded by the arbitrator. 
Any  arbitration  award  may  be  enforced  (such  as  through  a 
judgment) in any court with jurisdiction.

Other Beneficiaries of this Agreement. In addition to you and 
us, the rights and duties described in this arbitration agreement 
apply to: our Affiliates and our and their officers, directors, and 
employees; any third party co-defendant of a Claim subject to this 
arbitration agreement; and all joint Accountholders and Authorized 
Users of your Account(s).
Survival  of  this  Agreement.  This  arbitration  agreement  shall 
survive:
• closing of your Account;
• voluntary payment of your Account or any part of it;
• any legal proceedings to collect money you owe;
• any bankruptcy by you; and
• any sale by us of your Account.
You Have the Right to Reject Arbitration for this Account. 
You  may  reject  the  arbitration  agreement  but  only  if  we 
receive  from  you  a  written  notice  of  rejection  within 
30  days  of  your  receipt  of  the  Card  after  your  Account  is 
opened. You must send the notice of rejection to: Discover, 
P.O. Box 30938, Salt Lake City, UT 84130-0938. Your rejection 
notice must include your name, address, phone number, Account 
number,  and  personal  signature.  No  one  else  may  sign  the 
rejection  notice  for  you.  Your  rejection  notice  must  not  be  sent 
with  any  other  correspondence.  Rejection  of  arbitration  will  not 
affect your other rights or responsibilities under this Agreement. 
If you reject arbitration, neither you nor we will be subject to the 
arbitration  agreement  for  this  Account.  Rejection  of  arbitration 
for this Account will not constitute rejection of any prior or future 
arbitration agreement between you and us. 

Your Billing Rights:
Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Discover
P.O. Box 30421
Salt Lake City, UT 84130-0421.
You may also contact us on the Web: https://discover.com/billingerrornotice

In your letter or on the Web, please give us the following information: 
• Account information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong 

and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.
•  By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the 
amount you think is wrong. You must notify us of any potential errors in writing or electronically. You 
may call us, but if you do we are not necessarily required to investigate any potential errors and you may 
have to pay the amount in question.

What Will Happen After We Receive Your Letter Or Web Submission

After we finish our investigation, one of two things will happen:
•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees 

related to that amount.

•  If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable  interest  and  fees.  We  will  send  you  a  statement  of  the  amount  you  owe  and  the  date 
payment  is  due.  We  may  then  report  you  as  delinquent  if  you  do  not  pay  the  amount  we  think  
you owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  write  to  us  (or  visit  
https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question 
even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase.

To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 miles of your current mailing 
address, and the purchase price must have been more than $50. (Note: Neither of these are necessary 
if your purchase was based on an advertisement we mailed to you, or if we own the company that sold 
you the goods or services.)

When we receive your written or electronic notice, we must do two things:
1.   Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an 

ATM or with a check that accesses your credit card account do not qualify.

have already corrected the error.

2.  Within 90 days of receiving your notice, we must either correct the error or explain to you why we 

believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may continue to appear on your statement.
•  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the  remainder  of  

your balance.

• We can apply any unpaid amount against your credit limit.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
or electronically at:

Discover 
P.O. Box 30945 
Salt Lake City, UT 84130-0945 
https://discover.com/billingerrornotice

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do 
not pay, we may report you as delinquent.

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