You're never responsible for unauthorized purchases on your Discover card.

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We're Looking Out For You All Day Every Day

  1. We monitor every Discover card purchase every day for unusual activity. If we suspect fraud, we'll alert you by email, phone or text.
  2. And if fraud does happen, our U.S.–based Fraud Specialists are always here to help.
  3. We'll overnight you a new card - free - at your request.

Here's What You Can Do to Protect Your Account

  • Update Contact Information

    So we can reach you quickly.

  • Sign Up for Account Alerts

    Stay on top of your account activity.

  • Switch to Secure Online Statements

    Reduce the potential of mail fraud.

  • Manage Your Cards

    Ensure you're actively using them.

  • Create a User ID

    Help protect your account information.

  • Create a Strong Password

    Help prevent unauthorized online access to your account.

  • Freeze Your Card

    Misplaced your card? Freeze it any time with our website or mobile app - you can still shop online or by phone with your account number.

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How to Freeze Your Card with the Mobile App

1. Tap "Manage Cards" under the Account menu.
2. Choose which card you'd like to freeze.
3. Tap "Misplaced Card" to temporarily freeze your card (or select Lost or Stolen card when appropriate).

Frequently Asked Questions

What do I do if I've shopped at a merchant with a security breach?

First, don't worry. We're here to help. That's why we monitor every purchase, every day. And that's why we reach out to you if we find that a merchant's security breach has compromised your account.

You can also check your transactions online, on your phone or on your statement. If a purchase looks suspicious, call us at 1-866-598-7835. Our U.S.–based Fraud Specialists are ready and waiting 24/7 and can remove any unauthorized purchases from your account.

How does Discover monitor my account for fraud?

We monitor every purchase on your account every day. If a purchase looks unusual or suspicious, we let you know with an e-mail, text message or phone call from our U.S.– based Fraud Specialist team. If you have an unauthorized purchase on your account, we remove it. Because you're never responsible for unauthorized purchases on your Discover card account - guaranteed. And we can even overnight a new card to you for free at your request.

How does Discover protect my information?

Discover uses technology and physical protection measures to help safeguard your personal information. That includes technology controls to help protect your information from outside hacks as well as business controls to help prevent unauthorized access. And of course, it means security guards, locks and passkeys at all our offices.

What should I do if I find a purchase on my card that I didn't make?

Call us right away at 1-866-598-7835. Our U.S.–based Fraud Specialists will look into your concern, and we'll remove any unauthorized purchases from your account. We can even overnight a new card to you for free at your request. You can also temporarily freeze your card on our Web site or with our mobile app to prevent use - you can still shop online or by phone with your account number. Later, once you're ready, you can easily unfreeze your card.

What if I'm declined for a purchase while I'm out shopping?

If we declined your purchase because it looks unusual, we'll send you an alert via text, phone or e-mail. And of course, you can call the number on the back of your card any time and talk with our live, U.S.–based service team.

What should I do if I receive a suspicious e-mail that appears to be from Discover?

Discover e-mails generally include the last four digits of your account. And we never request your protected account information via e-mail. Please forward phishing scams or suspicious e-mails to emailwatch@discover.com

What can I do to make my tablet or mobile phone safer?

Enhance your security with screen locking, password protection, and by always updating your Discover Mobile app to the latest release. When you install the Discover Mobile app, verify that it's from "Discover Financial Services".

What should I do if I'm planning to travel?

Call us at the number on the back of your card or send us a secure message, especially if you're travelling abroad. This will help us avoid unnecessary interruptions or declines on your account.

What should I do if I'm the victim of Identity Theft?

Act immediately. Call all your banks, credit cards, mortgage lenders, etc. Contact the credit bureaus. And file a police report. Keep a written record of your correspondence. Credit bureau contact information follows:

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289
Innovis: 1-800-540-2505

You can find more helpful information about fighting identity theft through the Federal Trade Commission at www.ftc.gov or 1-877-IDTHEFT (1-877-438-4338).

Suspect Fraud?

Call our U.S.–based Fraud Specialists any time at 1-866-598-7835