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FAQs

How do I dispute a charge with Discover? ›

If you suspect that a transaction is fraudulent, please call us right away at 1-866-240-7938. Or, you can contact Customer Service online or initiate a dispute. You can also report a fraudulent transaction to the Federal Trade Commission.

Discover offers 7 credit cards for different credit and rewards needs. The Discover it^® Cash Back credit card is a great choice for people with good to excellent credit. We also offer the Discover it^® Miles Travel Card, Discover it^® Chrome Gas and Restaurants Card and NHL^® Discover it^® Card.

Discover is accepted nationwide by 99% of the places that take credit cards.

Discover is a credit card brand that is issued by the American financial services company Discover Financial (DFS).

Discover Financial Services is an American financial services company that owns and operates Discover Bank, an online bank that offers checking and savings accounts, personal loans, home equity loans, student loans and credit cards.

Even if the transaction was authorized but you didn't get the item as stated or were charged incorrectly, Discover will still work with you. If you follow the steps below to dispute a credit card charge with Discover, your issue should be resolved quickly and easily.

Call us at 1-866-240-7938.

Our team of fraud specialists are ready to assist. Awareness is an important tool in fighting fraud.

Hardest Credit Card to Get Overall

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

A subsequent innovation was "Cashback Bonus" on purchases. Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network.

The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).

Why do so many stores not accept Discover? ›

Discover is generally not as expensive as American Express for merchants to accept, but it still generally charges more than Visa or Mastercard, which is why Discover is No. 3 in terms of acceptance. Plus, Discover doesn't offer the benefit of an affluent cardholder base.

The Discover it® Cash Back credit limit is at least $500 for all cardholders. It has the potential to be higher, too. Discover does not disclose a maximum credit limit, but there are reports of some cardholders receiving credit limits between $2,000 and $11,000.

Discover is a bad credit card company for people who plan to travel abroad because Discover cards are accepted in fewer countries and territories than Visa and Mastercard. Some merchants also think Discover is a bad credit card company because it often charges high fees for card acceptance.

The highest score you can have on the most widely used scales is 850. According to data from FICO, about 1.7% of all FICO scores were at the coveted 850 as of April 2023. And even if you do get there, the fluctuating nature of credit scores means you're unlikely to keep it month after month.

There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.

On February 19, Capital One announced it would acquire Discover in an all-stock transaction worth $35.3 billion. Both companies are among the largest credit card issuers in the country while Capital One is the ninth-largest bank in the United States.

Closing a credit card could change your debt to credit utilization ratio, which may impact credit scores. Closing a credit card account you've had for a long time may impact the length of your credit history. Paid-off credit cards that aren't used for a certain period of time may be closed by the lender.

Under the terms of the agreement, Discover shareholders will receive 1.0192 Capital One shares for each Discover share, representing a premium of 26.6% based on Discover's closing price of $110.49 on February 16, 2024 . Transaction is 100% stock consideration. MCLEAN, Va.

Specifically, their lawsuit, which was filed by the Mexican American Legal Defense and Educational Fund (MALDEF) and Outten & Golden, alleged that Discover Bank's denials violated federal and state civil rights laws, including the California Civil Rights Act, which prohibits discrimination based on alienage and ...

Who is Discover card merging with? ›

On February 19, 2024, Capital One announced a $35 billion all-stock acquisition of Discover Financial Services, a deal that would join two of the largest credit card issuers into a single payment system firm that could inject competition to the payments network market.

Last month's announcement that Capital One Financial will acquire Discover Financial for $35.3 billion was major news in the banking industry because it represents the biggest-ever deal in the credit card industry.

Card members typically have 120 days from the transaction date to dispute a transaction. Discover decides the customer's claim is legitimate and issues a chargeback.

Yes. You can dispute a credit card transaction, even if you willingly approved it at the time.

How Long Do You Have to Dispute a Credit Card Charge? In most cases, you have 60 days from when a charge appears on your credit card statement to dispute it.

Disputing a charge does not have an impact on your credit. You don't need to worry about a dispute causing your credit score to drop. What happens if a dispute is denied? If your dispute is denied, then the charge will go back on your credit card.