DISCOVER
PRICING SCHEDULE
This is an example of terms that were available to recent applicants as of 12/31/21. 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
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
22.99%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
22.99%. This APR will vary with the market based on the Prime Rate.1
APR for Cash Advances
24.99%. This APR will vary with the market based on the Prime Rate.2
Penalty APR and When It Applies
None
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
Paying Interest
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
None
Balance Transfer Fee
5% of the amount of each transfer.
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Fee
None the first time you pay late. After that, up to $40
Returned Payment Fee
Up to $40
How We Will Calculate Your Balance: We will use a method called "daily balance (including current tansactions). See the Cardmember Agreement for details.
1The purchase and balance transfer APR is equal to the Prime Rate plus a margin of 19.74%.
2The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%.
©2021 Discover Bank, Member FDIC
CMANPRDI123121
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DISCOVER
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
You may use your Account for Purchases, Balance Transfers, and Cash Advances. You may not use it for illegal transactions.
Authorized Users
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.
Joint Accounts
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.
Checks
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.
Credit Authorizations
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.
Credit Lines
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
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
Returned Payment Fee
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
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
If you mail your payment to an address other than the address designated on
made by Authorized Users.
your billing statement, there may be a delay in processing and crediting the
We may refuse to accept a payment in a foreign currency. If we do accept it,
payment to your Account.
we will charge your Account our cost to convert it to U.S. dollars.
If a third party makes a payment on your Account and we return all or a part
We can accept late payments, partial payments or payments marked
of such payment, then we may adjust your Account for any amount returned.
"payment in full" or with any other restrictive endorsement without
We reserve the right to defend ourselves against any demand to return funds
losing any of our rights under this Agreement.
we have received, and may agree to a compromise of the demanded amount
as part of a settlement.
Minimum Payment Due
You may pay the entire New Balance shown on your billing statement at any time.
$15, plus any of the following charges as shown on your billing statement:
Each billing period you must pay at least the Minimum Payment Due by the Payment
fees for any debt protection product that you enrolled in on or after 2/1/2015;
Due Date shown on your billing statement. The Minimum Payment Due will be the
Interest Charges; and Late Fees (not to exceed 4% of the New Balance).
greater of:
The Minimum Payment Due may also include amounts by which you exceed your
$20; or
Account credit line. It will never exceed the New Balance. When we calculate the
any past due amount plus the greater of:
Minimum Payment Due, we may subtract from the New Balance certain fees added
3% of the New Balance shown on your billing statement (excluding any Interest
to your Account during the billing period. The Minimum Payment Due is rounded up
Charges and Late Fee shown on your billing statement); or
to the nearest dollar.
©2021 Discover Bank, Member FDIC
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MAKING PAYMENTS
How We Apply Payments
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.
INTEREST CHARGES
How We Calculate Interest
We calculate interest charges each billing period by first figuring the "daily balance"
How We Figure Your Total Interest Charges
Charges-Daily Balance
for each Transaction Category. Transaction Categories include standard Purchases,
We multiply the daily balance for each Transaction Category by its daily periodic
Method (including current
standard Cash Advances, and different promotional balances, such as Balance Transfers.
rate. We do this for each day in the billing period. This gives us the interest charges
transactions)
How We Figure the Daily Balance for Each Transaction Category
for each Transaction Category. To get a daily periodic rate, we divide the APR that
We start with the beginning balance for each day. The beginning balance for the
applies to the Transaction Category by 365.
first day of the billing period is your balance on the last day of your previous billing period.
We add up all the daily interest charges. The sum is the total interest charge for
We add any interest charges accrued on the previous day's daily balance and any
the billing period.
new transactions and fees. We add any new transactions or fees as of the later of
How We Include Fees
the Transaction Date or the first day of the billing period in which the transaction
We add Balance Transfer Fees to the applicable Balance Transfer Transaction
or fee posted to your Account.
Category. We add Cash Advance Fees to the applicable Cash Advance Transaction
We subtract any new credits and payments.
Category. We add all other fees to the standard Purchase Transaction Category.
We make other adjustments (including those adjustments required in the "Paying
Interest" section).
Paying Interest
When Interest Charges Begin
Date shown on that billing statement, we will not impose interest charges on
We begin to impose interest charges on a transaction, fee, or interest charge from
New Purchases. New Purchases are Purchases that first appear on the next billing
the day we add it to the daily balance. We continue to impose interest charges
statement. Interest will continue to accrue each day on Purchases that appeared on
until you pay the total amount you owe us. You can avoid paying interest on
previous billing statements until you pay the New Balance in full and will be billed
Purchases as described below. However, you cannot avoid paying interest on
in the next billing cycle.
Balance Transfers or Cash Advances.
How We Apply Payments May Impact Your Grace Period
How to Avoid Paying Interest on Purchases ("Grace Period")
If you do not pay your New Balance in full each month, then, depending on the balance
If you pay the New Balance on your current billing statement by the Payment Due
to which we apply your payment, you may not get a grace period on new Purchases.
OTHER IMPORTANT INFORMATION
Default
You are in default if:
you fail to comply with the terms of this Agreement or any Agreement with us or
you file bankruptcy or another insolvency proceeding is filed by you or against you;
an Affiliate, including failing to make a required payment when due, exceeding
we have a reasonable belief that you are unable or unwilling to repay your
your Account credit line or using your Card or Account for an illegal transaction.
obligations to us;
If you are in default, we may declare the entire balance of your Account immediately
you die or are legally declared incompetent or incapacitated;
due and payable without notice.
Collection Costs
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.
Merchant Disputes
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.
Automatic Account
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
Information Updates
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.
Our Privacy Policy
We send you our Privacy Policy when you open your Account and annually.
the personal information we collect;
Contact us or visit Discover.com if you would like a copy. Please read it carefully.
how we safeguard its confidentiality and security;
It summarizes:
when it may be shared with others; and
the personal information we collect;
how you can limit our sharing of this information.
Credit Reporting
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,
Agency Information
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.
Our Communications
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
with You
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 cancelling 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.
Cancellation of
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.
Your Account
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.
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OTHER IMPORTANT INFORMATION
Purchases and Cash Advances
If
you make a Purchase or Cash Advance in a foreign currency, we will convertdepending on the country and currency in which the transaction is made. We
in Foreign Currencies
it to U.S. dollars using a rate we choose. This rate will either be a government-use the rate in effect on the conversion date for the transaction. This rate may
mandated rate, a government-published rate, or the interbank exchange rate,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
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.
MILITARY BORROWERS
Statement of MAPR
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.
Oral Disclosures
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.
CONTACT US
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.
"Check" means any check we send to you to access your Account.
"Affiliate" means our parent corporations, subsidiaries, and affiliates.
"Pricing Schedule" means the document entitled "Pricing Schedule," which lists the APRs that
"Authorized User" means any person you authorize to use your Account or a Card, whether you
apply to your Account and other important information.
notify us or not.
"Prime Rate" means the highest rate of interest listed as the U.S. Prime Rate in the Money Rates
"Balance Transfer" means a balance transferred from another creditor to your Account.
section of the online Wall Street Journal (www.wsj.com) on the last business day of the month.
"Card" means any one or more Discover cards issued to you or someone else with your
"Purchase" means the use of your Account to purchase or lease goods or services at
authorization.
participating merchants.
"Cash Advance" means the use of your Account for:
"We," "us," and "our" refer to Discover Bank, the issuer of your Card.
obtaining cash from participating automated teller machines, financial institutions, or other
"You," "your," or "yours" refer to you and any other person(s) who are also contractually liable
locations; and
under this Agreement.
online gambling, or to purchase lottery tickets, money orders, casino chips, foreign currency, or
"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
CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN
Governing Law and Rules. This arbitration agreement is
and us arising out of or relating to this Account or the relationships
INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY
governed by the Federal Arbitration Act ("FAA"). Arbitration must
resulting from this Account or any other dispute between you or
JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST
proceed only with the American Arbitration Association ("AAA").
us, including, for example, a dispute based on a federal or state
OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE
The rules for the arbitration will be those in this arbitration
statute or local ordinance ("Claim"), either you or we may choose
ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR
agreement and the procedures of the AAA, but the rules in this
to resolve the Claim by binding arbitration, as described below,
IN A PRIVATE ATTORNEY GENERAL CAPACITY.
arbitration agreement will be followed if there is disagreement
instead of in court. Any Claim (except for a Claim challenging the
between the agreement and the AAA's procedures. If the AAA's
validity or enforceability of this arbitration agreement, including
The arbitrator may award injunctive relief only in favor of the
procedures change after the Claim is filed, the procedures in effect
the Class Action Waiver) may be resolved by binding arbitration
individual party seeking relief and only to the extent necessary
when the Claim was filed will apply.
if either side requests it. THIS MEANS IF EITHER YOU OR WE
to provide relief warranted by that party's individual Claim. The
For a copy of the AAA's procedures, to file a Claim, or for other
CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO
arbitrator may not award class, representative, or public injunctive
information, please contact the AAA at 1101 Laurel Oak Rd.,
LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO
relief. If a court decides that applicable law precludes enforcement
Voorhees, NJ 08043, www.adr.org (1-877-495-4185).
DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION.
of any of this paragraph's limitations as to a particular Claim
If the AAA is completely unavailable, and if you and we cannot
Even if all parties have opted to litigate a Claim in court, you or we
for relief, then after all appeals from that decision have been
agree on a substitute, then either you or we may request that a
may elect arbitration with respect to any Claim made by a new party
exhausted, that Claim (and only that Claim) must be severed from
court with jurisdiction appoint a substitute.
or any new Claims later asserted in that lawsuit.
the arbitration and may be brought in court. Only a court, and not
Fees and Costs. If you wish to begin arbitration against us but
This arbitration agreement does not apply if, on the date you submit
an arbitrator, shall determine the validity, scope, and effect of the
you cannot afford to pay the AAA's or arbitrator's costs, we will
your Application or on the date we seek to invoke this arbitration
Class Action Waiver.
advance those costs if you ask us in writing. Any request like this
agreement, you are a member of the Armed Forces or a dependent
should be sent to Discover, P.O. Box 30421, Salt Lake City, UT
of such a member covered by the federal Military Lending Act. If
Your Right to Go To Small Claims Court. We will not choose to
84130-0421. If you lose the arbitration, the arbitrator will decide
you would like more information about whether you are covered
arbitrate any individual Claim you bring in small Claims court or your
whether you must reimburse us for money we advanced for you
by the Military Lending Act, please contact us at 1-844-DFS-4MIL
state's equivalent court. However, if such a Claim is transferred,
for the arbitration. If you win the arbitration, we will not ask for
(1-844-337-4645) or if you are calling from outside the U.S. at
removed, or appealed to a different court, we may then choose
reimbursement of money we advanced. Additionally, if you win the
+1-801-451-3730.
to arbitrate.
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ARBITRATION
arbitration, the arbitrator may decide that you are entitled to be
of the Claim ("Claim Notice") at least 30 days before initiating the
Users of your Account(s).
reimbursed your reasonable attorneys' fees and costs (if actually
arbitration proceeding. The Claim Notice must include your name,
Survival of this Agreement. This arbitration agreement shall
paid by you).
address, and account number and explain in reasonable detail the
survive:
Hearings and Decisions. Arbitration hearings will take place in
nature of the Claim and any supporting facts. Any Claim Notice shall
closing of your Account;
the federal judicial district where you live. A single arbitrator will
be sent to us at Discover, P.O. Box 794, Deerfield, IL 60015 (or such
be appointed. The arbitrator must:
other address as we shall subsequently provide to you). If, and only
voluntary payment of your Account or any part of it;
Follow all applicable substantive law, except when contradicted
if, (1) you submit a Claim Notice in accordance with this agreement
any legal proceedings to collect money you owe;
on your own behalf (and not on behalf of any other party); and (2)
any bankruptcy by you; and
by the FAA;
an arbitrator, after finding in your favor in any respect on the merits
any sale by us of your Account.
Follow applicable statutes of limitations;
of your Claim, issues you an award that (excluding any arbitration
You Have the Right to Reject Arbitration for this Account.
Honor valid Claims of privilege;
fees or attorneys' fees and costs awarded by the arbitrator) is
You may reject the arbitration agreement but only if we
Issue a written decision including the reasons for the award.
greater than the value of Discover's last written settlement offer
receive from you a written notice of rejection within
The arbitrator's decision will be final and binding except for any
made before an arbitrator was selected, then you will be entitled to
30 days of your receipt of the Card after your Account is
review allowed by the FAA. However, if more than $100,000 was
the amount of the award or $7,500, whichever is greater. If you are
opened. You must send the notice of rejection to: Discover,
genuinely in dispute, then either you or we may choose to appeal to
entitled to the $7,500, you will receive in addition any arbitration
P.O. Box 30938, Salt Lake City, UT 84130-0938. Your rejection
a new panel of three arbitrators. The appellate panel is completely
fees or attorneys' fees and costs awarded by the arbitrator.
notice must include your name, address, phone number, Account
free to accept or reject the entire original award or any part of it.
Any arbitration award may be enforced (such as through a
number, and personal signature. No one else may sign the
The appeal must be filed with AAA not later than 30 days after
judgment) in any court with jurisdiction.
rejection notice for you. Your rejection notice must not be sent
the original award issues. The appealing party pays all appellate
Other Beneficiaries of this Agreement. In addition to you and
with any other correspondence. Rejection of arbitration will not
costs unless the appellate panel determines otherwise as part of
us, the rights and duties described in this arbitration agreement
affect your other rights or responsibilities under this Agreement.
its award.
apply to: our Affiliates and our and their officers, directors, and
If you reject arbitration, neither you nor we will be subject to the
Claim Notice and Special Payment. If you have a Claim, before
employees; any third party co-defendant of a Claim subject to this
arbitration agreement for this Account. Rejection of arbitration
initiating an arbitration proceeding, you may give us written notice
arbitration agreement; and all joint Accountholders and Authorized
for this Account will not constitute rejection of any prior or future
arbitration agreement between you and us.
Your Billing Rights:
After we finish our investigation, one of two things will happen:
Keep This Document For Future Use
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.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
If we do not believe there was a mistake: You will have to pay the amount in question, along with
What To Do If You Find A Mistake On Your Statement
applicable interest and fees. We will send you a statement of the amount you owe and the date
If you think there is an error on your statement, write to us at:
payment is due. We may then report you as delinquent if you do not pay the amount we think
Discover
you owe.
P.O. Box 30421
If you receive our explanation but still believe your bill is wrong, you must write to us (or visit
Salt Lake City, UT 84130-0421.
https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we
You may also contact us on the Web: https://discover.com/billingerrornotices
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you
In your letter or on the Web, please give us the following information:
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.
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question
Description of problem: If you think there is an error on your bill, describe what you believe is wrong
even if your bill is correct.
and why you believe it is a mistake.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
You must contact us:
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you
Within 60 days after the error appeared on your statement.
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the
By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the
remaining amount due on the purchase.
amount you think is wrong. You must notify us of any potential errors in writing or electronically. You
To use this right, all of the following must be true:
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.
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
What Will Happen After We Receive Your Letter or Web Submission
if your purchase was based on an advertisement we mailed to you, or if we own the company that sold
When we receive your written or electronic notice, we must do two things:
you the goods or services.)
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
have already corrected the error.
ATM or with a check that accesses your credit card account do not qualify.
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.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing
or electronically at:
While we investigate whether or not there has been an error:
Discover
We cannot try to collect the amount in question, or report you as delinquent on that amount.
P.O. Box 30945
The charge in question may continue to appear on your statement.
Salt Lake City, UT 84130-0945
While you do not have to pay the amount in question, you are responsible for the remainder of
https://discover.com/billingerrornotice
your balance.
We can apply any unpaid amount against your credit limit.
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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