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A Guide to Discover Billing

Published April 6, 2022
3 min read

Key points:

  1. You can access your balance, review your statement, and check your rewards on the Discover website or mobile app.

  2. You can also pay your bill online or set up automatic payments.

  3. If you have a question about a charge, you can contact Discover’s 100% U.S.-based customer service by phone or the website and app.

If you have a Discover credit card, understanding your billing cycle, statements, and payments options are important for managing your account. You can also get familiar with the different account features that can make your life easier, such as email and text alerts and the Discover mobile app.

How to find your Discover billing cycle

You can access your Discover card’s bill online by registering for or signing into your Discover account. When you first sign in, you’ll be able to see your Discover Card’s account summary, including:

  • Current balance
  • Last statement balance
  • Minimum payment due date
  • Credit available
  • Credit limit
  • Available cash

However, you can also sign up for automatic payments to pay the minimum payment, minimum plus a fixed amount, full statement balance, or a different amount each month. You may also be able to choose your bill’s monthly due date  based on available dates if you want to better align it with your paycheck or a certain part of the month.

Remember to make at least the minimum payment by the due date to avoid late payment fees.

How to access your Discover card bill online

The account summary can give you a good overview of your card’s details, but you can also go to the activity and payments section to see your most activity. This could include recent purchases, balance transfers, cash advances, payments, and credit.

You can also review credit card statements from the past seven years if you’re signed up for paperless statements. Credit card statements can include a wealth of information, including:

  • The billing cycle. Your Discover credit card’s billing cycle open and close dates.
  • An account summary. An overview of the previous or opening balance and transactions from the billing cycle.
  • Payment information. Such as your minimum payment due and the due date.
  • Credit line. Your credit limit, how much is available, and your limit for cash advances.
  • Standard annual percentage rates (APRs). The card’s standard purchase APR, balance transfer APR, and cash advance APR, and your interest charges. Variable APRs can change over time.
  • Intro APRS. If applicable, your statement may also show your intro purchase APR and intro balance transfer APR, their expiration dates, and how much of your balance is subject to each interest rate.
  • Rewards. If you have a cash back credit card, you may see your Cashback Bonus opening balance and how much cash back credit card rewards you earned and redeemed this billing cycle.
  • Fees and interest. You might see sections on the fees charged during that month and the total fee and interest charges for the year.
  • Customer service contact information

While credit card statements often have similar templates, you may see different information on credit card statements depending on the credit card issuer and specific card. For example, some credit card issuers give you a credit score with your credit card statement.

Additionally, certain account information will be in other documents. Or, if your card has an annual fee, that could be in the terms and conditions—but Discover doesn’t have any annual fee credit cards.

How to get paper copies of your Discover card bill

If you are enrolled in paperless statements, you can print any of your last seven years of statements via the Account Center. You also can call 1-800-DISCOVER (1-800-347-2683) to request copies.

How to handle a mistake on your Discover card bill

If you find a mistake on your Discover billing statement or in the recent transactions, you can reach the 100% U.S.-based customer service by phone call or messenger on the website and mobile app.

If a retailer made a mistake, you may want to start by contacting the company and requesting a refund. You may also be able to dispute credit card charges with your credit card issuer, which could be a good next step if the retailer doesn’t help you resolve the problem. You’re never held responsible for unauthorized purchases on your Discover Card.1

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