Discover Credit Card FAQs

To get a Discover Credit Card, you can apply online, by phone, or through mail. They’ll check your application, looking at things like your credit history and income. If you’re approved, they’ll send you the card in the mail. After you get it, you’ll need to activate it online or by phone. Then, you’re ready to start using it for purchases, cash advances, and more. Just make sure to pay on time and watch your spending to manage your card well.

Discover is a good choice especially for those new to credit. Many of their cards have no annual fees and offer simple rewards programs, making them easy to use. Plus, Discover’s customer service and online tools are very user-friendly, offering helpful support for managing your credit effectively.

You can activate your Discover Credit Card online or by phone.
Online Activation:
Visit the “Activate Your New Discover Card” webpage.
Enter your Card Number, Expiration Date, Sequence ID Number, Date of Birth, and the Last 4 Digits of your SSN.
Submit the form.
Phone Activation:
Call 1-800-347-2683.
Speak with a customer representative and request activation for your Discover Card.

Discover updates your account information with the credit bureaus each month on the day your statement is generated. They report to all major credit bureaus: Experian, TransUnion, and Equifax.

Discover lets you transfer balances to other credit cards. This can help you combine your debts or take advantage of lower interest rates. Be sure to check for any fees and read the terms, as they can affect how much you save.

You can take cash out from your Discover Credit Card in three ways: through a cash advance into your checking account, at ATMs, or by visiting banks and credit unions.

Discover, similar to other credit card companies, has the authority to take legal action for unpaid debts. However, they usually prefer to cooperate with cardholders to reach fair solutions. If you’re experiencing financial difficulties, contacting Discover’s customer service is advisable. They can help explore options like hardship plans or debt settlement.

To be eligible for a Discover Credit Card, you typically need a minimum credit score of 650.

The purchase APR for a Discover Credit Card ranges from 17.24% to 28.24%, depending on your credit score.

Yes, International students with a valid Social Security number are eligible to apply for a Discover Student Credit Card.

You can use your Discover Credit Card internationally in most countries and territories, although there may be exceptions in certain places.

Discover Card determines your credit limit based on factors like your credit history, income, and overall creditworthiness. They’re known to periodically review accounts and increase credit limits for eligible cardholders. Building a positive relationship with Discover through responsible credit use and on-time payments can also lead to higher credit limits over time.

If you happen to make a late payment on your Discover card, you might face fees and interest charges. However, Discover provides a one-time opportunity for late payment forgiveness.

You can easily check your credit limit and available credit by logging into your Discover account online or by reaching out to customer service.