Man investigating credit card fraud on his phone

Credit Card Fraud and Account Protection

Learn how Discover monitors your account for fraud.

Last Updated: October 25, 2023
1 min read

Key points about: protecting your credit card from fraud

  1. Discover constantly monitors your card for fraudulent activity and notifies you when suspicious activity is detected.

  2. If Discover suspects fraud, we may ask you to review and verify recent transactions.

  3. You should regularly check your account for suspicious or unknown transactions, and contact Discover customer service if you suspect fraud on your account.

At Discover, credit card fraud and account security are very important. Below, find answers to frequently asked questions about security measures in place that help us monitor and protect your account from fraud.

Discover monitors your account through a free warning system to quickly notify you of any unusual activity. This tool is constantly monitoring your card for any fraudulent activity and notifies you if any suspicious activity is detected. Click the link to sign up for fraud alerts.

You should regularly check your statement or your account online for any suspicious or unknown purchases. If you notice any unusual transactions, check with anyone you authorized to use your card to see if they recognize the transactions. If they don’t, you can initiate a dispute or contact Customer Service.

Note: If you’re a Discover Cardmember, you should notify Discover if you’re planning to travel, especially outside of the U.S. Letting us know you’re traveling out of the country will help ensure uninterrupted use of your Discover Card.

The Discover $0 Fraud Liability Guarantee means you’re never responsible for unauthorized purchases on your Discover Card account.1

You should always log out at the end of each Account Center session. If you don’t log out, others using the same computer could potentially access information saved or cached in the memory of the browser. As an extra precaution, close your browser’s window before leaving the computer.

If you request another card design and have multiple cards under your account, make sure you keep track of all of your cards and destroy your old card once it’s expired.

A good password should be easy for you to remember but hard for somebody else to guess. Avoid using passwords that others might guess, such as a birth date, common phrases, or pet’s name. Select passwords you’ll remember, but try replacing some of the letters with numbers—”secret” might be “s1cr1t,” for example. And mix up your passwords—use different passwords at different websites.

If we detect unusual activity on your account, we may ask you to review recent transactions and verify they’re valid.

Did you know?

Along with account protection and excellent customer service, Discover offers credit cards with great rewards and benefits compared with other industry-leading cards. Compare Discover against the competition to find the card that’s best for you.

You can verify your transactions online, or if you prefer to contact us by phone you can call us at 1-800-DISCOVER (1-800-347-2683).

Please contact us at 1-800-347-2683 so that we may review your transactions with you and take appropriate action.

When you verify your recent activity, each transaction will say approved or declined.  Once you’re logged in to the Account Center, approved transactions will be displayed in the Pending Transactions section of your Account Activity.

If a Fraud Resolution Specialist is available to chat with you, an option to “Chat Now” will be provided on the transaction verification page.  If chat agents aren’t available, you can contact us at 1-800-DISCOVER (1-800-347-2683).

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  1. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at
  • Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.