PRICING SCHEDULE

This is an example of terms that were available to recent applicants as of 12/31/19. 
This Pricing Schedule is part of the Cardmember Agreement.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

24.49%. This APR will vary with the market based on the Prime Rate.1

APR for Balance Transfers

APR for Cash Advances

24.49%. This APR will vary with the market based on the Prime Rate.1

26.49%. This APR will vary with the market based on the Prime Rate.1

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 
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% of the amount of each transfer.

Either $10 or 5% of the amount of each cash advance, whichever is greater.

None

Up to $39.

$39.

How We Will Calculate Your Balance: We will use a method called “daily balance (including current transactions)”. See the Cardmember Agreement for details.

1  The purchase and balance transfer APR is equal to the Prime Rate plus a margin of 19.74%.
The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%.

©2019 Discover Bank, Member
CMANPRDI033119
©2019 Discover Bank, Member FDIC
CMANPRDI123119

-1-
-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 $28 if you 

were not charged a Late Fee during any of the prior six billing periods. Otherwise, 
the fee is $39. 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 $28 if you were not charged a Returned Payment Fee during 

any of the prior six billing periods. Otherwise, the fee is $39. 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 the 
greater of:
•  $20; or
•  any past due amount plus the greater of:
  —  3% of the New Balance shown on your billing statement (excluding any Interest 

Charges and Late Fee shown on your billing statement); or

  —  $15,  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 (not to exceed 4% of the New Balance).
The Minimum Payment Due may also include amounts by which you exceed your 
Account credit line. 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.

-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).

 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 paid the New Balance on your previous billing statement by the Payment Due 

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.

Date shown on that billing statement, we will not impose interest charges on new 
Purchases, or any portion of a new Purchase, paid by the Payment Due Date on 
your current billing statement. New Purchases are Purchases that first appear on 
the current billing statement.
 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

Unauthorized Use

Cancellation of 
Your Account

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;

You authorize us to review your credit, employment, and income for the purpose 
of this Account, as well as 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 

•  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 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 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.

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.

•   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.

-3-

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

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

Oral Disclosures

CONTACT US

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 e-mail 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  

similar items.

ARBITRATION

“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 Wall Street Journal 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.

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 (“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  SHALL  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.
This Arbitration Provision does not apply if, on the date you submit 
your Application or on the date we seek to invoke our arbitration 
provision, you are a member of the Armed Forces or a dependent 
of such a member covered by the federal Military Lending Act. If 
you would like more information 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 
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)  or  JAMS.  The 
rules for the arbitration will be those in this arbitration agreement 
and  the  procedures  of  the  chosen  arbitration  organization,  but 
the  rules  in  this  arbitration  agreement  will  be  followed  if  there 
is  disagreement  between  the  agreement  and  the  organization’s 
procedures. If the organization’s procedures change after the claim 
is filed, the procedures in effect when the claim was filed will apply. 
For a copy of each organization’s procedures, to file a claim or for 
other information, please contact:
•   AAA at 1101 Laurel Oak Rd., Voorhees, NJ 08043, www.adr.org 

(phone 1-877-495-4185) or

•  JAMS  at  620  Eighth  Ave.,  Floor  34,  New  York,  NY  10018,  
  www.jamsadr.com (phone 1-800-352-5267).
If both AAA and JAMS are 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.

-4-

 
ARBITRATION

Fees and Costs. If you wish to begin arbitration against us but you 
cannot afford to pay the organization’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 the arbitration organization 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 Discover’s last written settlement offer 
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  Provision.  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 provision; and all joint Accountholders and Authorized 
Users of your Account(s).
Survival of this Provision. This arbitration provision 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  also  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 
provisions 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
PO 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

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 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.

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.)

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.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
or electronically at:

Discover 
PO 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.

-5-