Financial Hardship

Can Discover Card help me if I find myself in a difficult financial situation?

Discover Card understands that accidents occur, illnesses strike, and people lose their jobs. If you find yourself in a difficult financial situation, visit the Payment Assistance page or contact Customer Service.

How do I find out if I am eligible for a payment assistance program?

If you think that you may be eligible for a payment assistance program please contact us at 1-800-767-1146.

Does Discover work with outside debt consolidation companies?

While Discover Card does not endorse any specific Consumer Credit Counseling Agencies (CCCAs), we work with many to assist cardmembers who want to repay their credit obligations but are experiencing temporary financial difficulties. Click to learn more about some credit counseling agencies can help customers with financial hardships.

Will a financial hardship affect my credit history?

Negative events—such as failure to make payments—can stay on your credit history for up to seven years, during which time you may find it difficult to get credit. If you can get credit, you may have to pay a higher interest rate or be unable to get the amount of credit you want. In order to maintain a good credit history, simply continue to pay all your bills on time and make re-establishing good credit a top priority.

How will I know if I need to file for Bankruptcy and is Discover able to help me in any way?

A new bankruptcy law effective October 17, 2005, requires all debtors to undergo credit counseling before filing for bankruptcy. Please call a Discover Card Credit Assistance Representative at 1-800-767-1146 for more information about Consumer Credit Counseling Agencies (CCCAs).