Everyone loses a credit card at some point or another, and when it happens, you’re caught in a difficult situation. On the one hand, you may want to keep looking for it with hope it’ll turn up soon. But on the other, it’s a good idea to call your credit card issuer and report it lost.
The latter is the safer option, but it also means you’ll be without your card until it’s replaced, not to mention that you’ll have to update any automatic payments you’ve authorized with that card.
Thankfully, Discover cardholders have a third option â€” to freeze their accounts.
Earn bigâ€‘time cash back that never expires.
How Freeze itÂ®Â Works
Discover Freeze itÂ®Â is an on/off switch that lets you freeze your account in seconds with the Discover mobile app or online to prevent new purchases, cash advances and balance transfers* if you misplace your card.
Discover cardholders can temporarily freeze their accounts at any time. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
Your account number will not change, and you should continue to pay your bill and manage your account online or by using Discover’s mobile app.
How to Freeze and Unfreeze Your Account
To freeze your account, log in to your Discover account online and go to the Freeze Account screen. There, you can find a link to the page where you can freeze your account.Unfreezing your account is just as easy, and you can also access this functionality through Discover’s mobile app.
How Freezing Your Account Differs From Temporarily Deactivating a Card
In addition to the Freeze itÂ®Â feature, Discover allows you to temporarily deactivate a card but other cards on the same account will still be active. Temporarily deactivating a card prevents its use for in-store purchases, but you can still use your account number for online and telephone purchases.
In contrast, freezing your account prevents it from being used at allâ€”in-store, online and by phone. Also, while Freeze itÂ®Â is activated, your account cannot be used for cash advances or balance transfers, and all cards on your Discover account will be frozen.
Whether freezing your account or temporarily deactivating a card, recurring payments will still be authorized, as will returns, credits and payments. And in both cases, you will still incur account fees and interest and be able to make rewards redemptions.
By understanding how your Discover card’s Freeze itÂ®Â feature works, you have a convenient option the next time you can’t find your card.
Earn bigâ€‘time cash back that never expires with Discover itÂ®.
*When you freeze your account, Discover will not authorize new purchases, cash advances, or balance transfers. However, some activity will continue including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.