To see a list of Frequently Asked Questions, visit /freealerts.įreeze it ®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. This benefit may change or end in the future. Alerts are only provided to, Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. The Alerts currently provide: (a) daily monitoring of your Experian ® credit report and an alert when a new inquiry or account is listed on your report (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Please give us two billing cycles to process your request.ĭiscover ® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. If you prefer not to receive your FICO ® Credit Score just call us at 1-800-DISCOVER (1-80). FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Discover and other lenders may use different inputs, such as FICO ® Credit Scores, other credit scores and more information in credit decisions. Customers will see up to a year of recent scores online. Your score, key factors and other credit information are available on and cardmembers are also provided a score on statements. See /FICO about the availability of your score. This information is intended for and only provided to Primary account holders who have an available score. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.įICO ® Credit Score Terms: Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bureaus. No purchase minimums.Īcceptance: According to the Feb 2023 issue of the Nilson Report.īuild credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. This promotional offer may not be available in the future and is exclusively for new cardmembers. We will not match: rewards that are processed after your match period ends statement credits rewards transfers from Discover checking or other deposit accounts or rewards for accounts that are closed. You've earned cash back rewards only when they're processed, which may be after the transaction date. 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.Ĭashback Match: We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: x% - x% variable, based on your creditworthiness. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies.
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