how to pay a discover card bill

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How to Pay Your Discover Credit Card Bill Online

How to pay a discover card bill -

Forms of Payment

Southwest Airlines Acceptable Forms of Payment

Accepted at all Ticketing Locations

  • Credit Cards: Southwest Airlines® accepts American Express, Optima, MasterCard, Visa, Carte Blanche, Diners Club, Discover Card/NOVUS, Access, Japan Credit Bureau, China Union Pay, and Air Travel Card. Credit Cards may be used at Southwest.com®, through Southwest Airlines Reservations, and at Southwest Airlines Ticket Counter locations.
  • Unused Ticketless Travel Funds: Southwest Airlines accepts unused ticketless travel funds for Passenger travel purchased through Southwest Airlines, excluding the Southwest Airlines Group Desk. Unused ticketless travel funds may be redeemed at Southwest.com, the Southwest Airlines Mobile Apps and Mobile Website (only for initial flight booking), through Southwest Airlines Reservations, and at Southwest Airlines Ticket Counter locations.
  • Southwest® gift card: Southwest Airlines accepts Southwest gift cards for Passenger travel on Southwest Airlines purchased through Southwest Airlines, excluding the Southwest Airlines Group Desk and Southwest Airlines Vacations. A Southwest gift card may be redeemed at Southwest.com, on the Southwest Airlines Mobile Apps and Mobile Website (only for initial flight booking), through Southwest Airlines Reservations, and at Southwest Airlines Ticket Counter locations. Both the 16-digit card number and four-digit security code are needed to make a purchase with a Southwest gift card.

Please see the complete Southwest gift card Terms and Conditions for use.


Southwest® LUV Vouchers:

Southwest Airlines accepts Southwest LUV Vouchers for Passenger travel on Southwest Airlines purchased through Southwest Airlines, excluding the Southwest Airlines Group Desk and Southwest Airlines Vacations. Southwest LUV Vouchers may be redeemed at Southwest.com, on the Southwest Airlines Mobile Apps and Mobile Website (only for initial flight booking), through Southwest Airlines Reservations, and at Southwest Airlines Ticket Counter locations. To redeem a Southwest LUV Voucher, purchaser must have a Southwest LUV Voucher number and associated security code.


Southwest LUV Vouchers Terms and Conditions:

Southwest LUV Vouchers and air fare paid with Southwest LUV Vouchers are subject to the applicable incorporated terms, Contract of Carriage, and rules and regulations of Southwest Airlines.

  1. Southwest LUV Vouchers are valid as a form of payment toward future air fare only on Southwest Airlines through Southwest.com, on the Southwest Airlines Mobile Apps and Mobile Website (only for initial flight booking), toll-free Reservations 1-800-I-FLY-SWA (1-800-435-9792), or at any Southwest Airlines Ticket Counter.
  2. Southwest LUV Vouchers must be redeemed and all travel completed by the expiration date indicated. If applied in conjunction with any other accepted form(s) of payment, the earliest expiration date of all payments applies. Once the voucher is applied to a reservation, it can only be used by the ticketed Passenger. Validity of Southwest LUV Vouchers will not be extended and any unused value will be forfeited upon expiration.
  3. Southwest LUV Vouchers are not redeemable as payment toward Government-imposed segment fees, excise taxes, Passenger Facility Charges, or September 11th Security Fees or as payment toward miscellaneous charges, Southwest Airlines Group tickets, Southwest Airlines Vacations packages, or travel either wholly or in part on other air carriers.
  4. Southwest LUV Vouchers and travel issued in exchange for Southwest LUV Vouchers have no cash value and cannot be exchanged for cash or other monetary consideration. Southwest LUV Vouchers will not be replaced if lost, stolen, or destroyed.
  5. To redeem a Southwest LUV Voucher, purchaser must have a Southwest LUV Voucher number and associated security code. If a balance remains after redemption, please retain this Southwest LUV Voucher number and security code for future use.
  6. Southwest LUV Vouchers are VOID if sold, altered, purchased, brokered, and/or bartered.

Accepted only at Southwest Airlines Ticket Counter locations

  • Cash: Southwest Airlines accepts cash for payment of purchase at select airport ticket counter locations. Starting 6/3/2020, only the following domestic airports will accept cash at the ticket counter: AMA, BUR, CRP, DAL, DCA, ECP, GEG, GSP, HNL, HRL, ISP, ITO, LAX, LBB, LIH, MAF, MHT, ONT, PHL, PNS, PWM, RDU, SNA, STL, TPA. Starting 7/1/2020, cash will not be accepted at any domestic airport ticket counter. Cash will continue to be accepted at international airport ticket counters.

Accepted on Southwest.com, mobile.Southwest.com, Southwest Airlines Mobile apps, and the Inflight Entertainment Portal

  • PayPal®: Southwest Airlines accepts payment from your PayPal account. PayPal account purchases may be combined with Southwest gift cards, Southwest LUV Vouchers, or unused ticketless travel funds (except for on the Inflight Entertainment Portal). PayPal account purchases may not be combined with funds from another credit card.

Accepted on the Southwest Airlines iOS App, mobile.Southwest.com, and the Inflight Entertainment Portal

  • Apple Pay®: Southwest Airlines accepts payment from your Apple Pay account. Apple Pay account purchases may be combined with Southwest gift cards, Southwest LUV Vouchers, or unused ticketless travel funds. Apple Pay account purchases may not be combined with funds from another credit card.

Accepted only on Southwest.com

  • Uplift Pay Monthly: Southwest Airlines accepts payment from Uplift Pay Monthly loans originated through Uplift. Uplift Pay Monthly account purchases may be combined with Southwest gift cards, Southwest LUV Vouchers, or unused ticketless travel funds. Uplift Pay Monthly account purchases may not be combined with funds from another credit card. Eligibility requirements must be met for Uplift Pay Monthly to be presented as a form of payment at checkout. Additional information regarding eligibility requirements can be found at Southwest.com/Uplift. All loans offered through Uplift on Southwest.com are issued by CBW Bank, Member FDIC. Actual terms are based on your credit score and other factors. A credit check will be run to confirm eligibility when you accept the loan, but your credit score will not be impacted. Down payment may be required. APR ranges from 0% to 36%. Eligibility is not guaranteed and some states are not served, including IA and WV. For more information about Uplift Pay Monthly, visit the Uplift FAQs page at support.uplift.com. Customers with Uplift Pay Monthly questions should contact Uplift Customer Support via either [email protected] or (844) 257-5400. Loan application data and loan information are not collected or provided by Southwest.
Источник: https://www.southwest.com/html/customer-service/purchasing-and-refunds/fop-pol.html

When Is My Credit Card Bill Due?

One of the most important credit card rules to follow is to make your credit card payment on time each month. Timely payments not only help you avoid late payment penalties, they also help you build a good credit score. But to make your credit card payment on time, you have to know when the credit card bill is due, right?

Three Ways to Figure Out Your Credit Card Due Date

The best way to figure out when your credit card bill is due is to read your credit card billing statement. Information about your credit card payment, including the minimum payment amount and the due date, will appear at the top of your statement and on the coupon that you include with your mailed credit card payment.

Your credit card statement must be mailed to you 21 days before your due date to give you a chance to take advantage of the grace period if it applies.

If you’ve created an online account to access your credit card account, you can also check your due date by logging in to verify the next payment due date. Once you've logged on, you can also schedule a future payment or make an immediate payment to be applied to your account right away.

Your third option is to call the customer service number on the back of your credit card to confirm your due date. Your credit card issuer’s automated menu may have an option to give your due date without you having to speak to a representative. Similar to checking your due date online, you may have the option to schedule or make a payment by phone using your checking account and routing number.

Be Sure to Make Your Due Date

In general, your payment must be made by 5 p.m. on the due date to be considered on time. Some credit card issuers may consider your payment on time if it's made by phone or internet after 5 p.m. on the due date, but the exact cutoff time varies by credit card issuer. Check with your credit card issuer for the exact cutoff time.

Avoid waiting until the last minute to make your payment. The payment cutoff time may be based on your credit card issuer's time zone.

What If You Pay Late?

If your payment is received after the cutoff time on the due date, it’s considered late and you’ll have to deal with the late payment penalties, including late payment fees and possible interest rate increases, even if your due date falls on a holiday or Sunday. That means you need to send your payment ahead of time to be sure your credit card issuer receives it by the cutoff.

Online payments can sometimes be made one day in advance (and possibly even on the due date up until the minute before the cutoff time), depending on processing times. This helps if you know you'll be busy on your bill's due date.

Checks and money orders should be mailed several days in advance so they arrive and can be processed before the cutoff time. You could be charged a late fee if your credit card issuer receives your payment after the due date, even if you mailed it before the due date.

Thanks to the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act, your credit card bill is due on the same date every month. So, if your bill is due on January 5th, it will also be due February 5th, March 5th, April 5th, and so on. That makes it much easier to keep up with your due date. Make a list of payment due dates or set a reminder on your phone so you won’t forget to pay your bill each month.

If you have credit cards with several credit card issuers, you’ll probably have varying due dates. You can typically call to have your due date changed if you’d like to have your payments all due on the same day. Some banks allow you to change your due date online. That could make it easier to meet all your payments, but be aware of how it will affect your other bills and leftover spending money.

Paying Before the Due Date

You don't have to wait until the due date to make your payment. In fact, you should make your credit card payment before the due date, as paying your bill early can improve your credit score. It also gives you time to confirm your payment has posted to your account. If there's an issue with your credit card payment, you'll have time to make it up and avoid late payment penalties.

Frequently Asked Questions (FAQs)

How do you change your credit card due date?

To change your credit card due date, you'll need to call your credit card's customer service department. Some card issuers also allow you to change your due date online or by using their mobile app. If you have a past due balance, you may need to pay that before you can change your card's due date.

What happens if you pay your credit card before the due date?

If you pay your credit card bill before the due date, you could lower your card's utilization percentage before the issuer reports to the credit bureaus. This could give your credit score a boost. Credit utilization is the amount of your available credit that's being used. For example, if you have a $3,000 balance on a card with a $10,000 limit, you're using 30% of your available credit. It's recommended to keep your balance below 30% of your card's borrowing limit. A utilization of over 30% can bring down your credit score.

Источник: https://www.thebalance.com/when-is-my-credit-card-bill-due-960088

Discover Card

Credit card

Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry.[citation needed] A subsequent innovation was "Cashback Bonus" on purchases.[1]

Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network. In 2005, Discover Financial Services acquired Pulse, an electronic funds transfer network, allowing it to market and issue debit and ATM cards. In February 2006, Discover Financial Services announced that it would begin offering Discover debit cards to other financial institutions, made possible by the acquisition of Pulse.[2]

Discover is the third largest credit card brand in the U.S. based on the number of cards in circulation, behind Visa and MasterCard, with 57 million cardholders.[3]

History[edit]

At the time Discover was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds brokerage organization and Coldwell, Banker & Company (real estate) in 1981[4] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr, father of country singer Ray Kennedy and the credit manager for Sears, conceived the card.[5] After a trial period in 1985, starting with a $26.77 purchase at an Atlanta Sears on September 17,[6] the actual launch was pushed through by Philip J. Purcell and Mitchell M. Merin, the company's senior vice president for corporate administration and manager of financial analysis, respectively.[7] Together with the Discover Card (and its issuing bank, the Greenwood Trust Company, owned by Sears), this was named the Sears Financial Network. Early Discover Cards bore a small embossed symbol representing the Sears Tower, then the company's headquarters.

Discover was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company.[8]Novus was once the major processing center that partnered with the company. The Novus logo was retired, replaced by the Discover Network logo.

Discover and Novus retired acceptance mark (still seen in many places)

Unlike other attempts at creating a credit card to rival MasterCard and Visa, such as Citibank's Choice card, Discover gained a large national consumer base. It carried no annual fee, which was uncommon at the time, and offered a typically higher credit limit than similar cards. Cardholders could also earn a "Cashback Bonus", in which a percentage of the amount spent would be refunded to the account (from 1% to 5%), depending on how much the card was used.[9] Discover was also noteworthy for being the only credit card accepted by the U.S. Customs Service to pay customs duty, effective February 19, 1987.[10] Since it did not charge a percentage fee to retailers, unlike Visa, MasterCard, and American Express, Discover was also the only credit card accepted at Sam's Club; the retailer has since started to accept MasterCard and American Express (see below). A 1989 study found that Discover had strong consumer adoption in the U.S.; the number of households with Discover cards increased by 2.1 million, or 14 percent, in 1989.[11] In this same year, Discover also signed a restaurant in Delaware as its 1 millionth merchant in its payment network.[12]

The plan to create a one-stop financial-services center in Sears stores was not as successful as Sears had hoped, and its promotion of Discover was thought both to hurt Sears turnover and to restrict the card's potential. Other retailers resisted it, as they were developing their own credit products and they believed they would be helping their competitor. Sears began to face difficulties in the late 1980s in light of these developments, and with strong competition both from Walmart and from so-called category killers such as Toys "R" Us. Discover's introduction was costly; Sears's Discover credit card operations accounted for a loss of $22 million in the fourth quarter of 1986, and a loss of $25.8 million in the first quarter of 1987.[13] Sears sold its financial businesses in 1993 and began to accept MasterCard and Visa in addition to its store credit card and Discover. Discover became part of the Dean Witter financial services firm, and the new company was called Dean Witter, Discover & Co. In 1997, this company merged with Morgan Stanley to become Morgan Stanley Dean Witter, Discover & Co. In 1999, this company rebranded itself as Discover Financial Services, Inc.[14]

Discover Bank[edit]

The Greenwood Trust Company was founded in 1911 and is based in Greenwood, Delaware. It was acquired by Discover Financial Services in 1985 and renamed Discover Bank in 2000.[15] The first and original location of Greenwood Trust Co. on East Market Street is now the town hall and police station.[16]

Global alliance[edit]

Further information: Card reciprocal agreements

Starting around 2005, to increase acceptance around the world, Discover has formed several agreements with other payment networks internationally. This allows Discover cardholders to perform transactions while traveling abroad. Vice versa, cardholders of other countries may utilize their cards at U.S. merchants that accept Discover.[17] Some major examples include:

In 2015, due to the growth of UnionPay, Discover became the world's most widely accepted card.[19] Currently, Discover is accepted in 185 countries.[20]

Business developments[edit]

In October 2004, the Supreme Court upheld a ruling in Discover's favor that challenged exclusionary policies of Visa and MasterCard, stating that Mastercard and Visa were violating antitrust regulations. Before this ruling, Visa and MasterCard would not allow banks to issue a Discover or American Express card if they issued a Visa or MasterCard. Within days of the court ruling, Discover filed a lawsuit in federal court seeking damages from Visa and MasterCard.

Shortly after the 2004 Supreme Court ruling, Discover struck its first deal to have its cards issued by another financial institution, GE Consumer Finance, which began to issue credit cards for retailer Walmart and its wholesale warehouse stores, Sam's Club.[21] Transactions were processed on the Discover Network. Sam's Club exclusively accepted Discover for many years; since November 2006, it has also accepted MasterCard for purchases. In April 2014, Walmart announced that they were ending their relationship with Discover and would begin converting all Discover-branded cards to Mastercard beginning in June 2014.[22]

HSBC has issued Discover-branded credit cards processed through the Discover Network since its acquisition of card issuer Metris in late 2005. Metris had originally signed an agreement with Discover in September 2005, three months prior to the HSBC acquisition.

In September 2012, Discover was ordered to pay over $200 million in fines and customer reimbursements to settle accusations by U.S. federal regulators that it had engaged in deceptive telemarketing tactics.[23]

Advertising[edit]

From 1998 to 2007, Discover Card owned a billboard at One Times Square, just above the flagpole where the Times Square Ball is placed, until Toshiba bought the space. As a result, its logo could be seen on national television during New Year's Eve, while the ball dropped. Discover also sponsored the ball drop itself.[24][25]

From its opening in 2001 to 2012, Sugarloaf Mills Mall in Lawrenceville, Georgia, was named Discover Mills in a naming rights partnership with Discover Card. The slogan for the mall was "Where Discover Card is the Smart Choice." It was the first shopping mall to have granted naming rights to interested companies.[26][27]

Since 2008, Discover has been the official credit-card partner of the National Hockey League. As part of this deal, Discover offers team- and league-branded credit cards as well as a 10% discount on purchases made from the NHL's online store using Discover.

See also[edit]

Industry5.svg Companies portal

References[edit]

  1. ^Vasquez, Jose. “History of Discover Card”. January 8, 2009. Retrieved 2016-11-28.
  2. ^"Merger of Discover Financial Services and Pulse EFT Association closes following Pulse member approval" (Press release). Discover Financial Services. January 12, 2005. Archived from the original on December 8, 2012. Retrieved October 22, 2007.
  3. ^Peter, Bianca. ["Market share by credit card network"]. September 2, 2019. Retrieved 2020-09-18.
  4. ^"A Brief Chronology of Sears History". Sears Brands, LLC. Retrieved August 12, 2009.
  5. ^Whitburn, Joel (1996). The Billboard Book of Top 40 Country Hits, p.173. ISBN 0-8230-7632-6.
  6. ^Kagan, Julia (June 27, 2018). "Discover Card". Investopedia. Retrieved August 1, 2020.
  7. ^Blake, Rich (November 1, 2002). "Blue chipped". Institutional Investor. Retrieved August 9, 2018.
  8. ^“Discover flying solo”. The Green Sheet, July 9, 2007. Retrieved 2016-12-04.
  9. ^Simon, Jeremy M. Credit card reward programs: a short history. CreditCards.com, November 14, 2006. Retrieved 2016-12-04.
  10. ^Customs Service Rules on Credit Cards. Journal of Commerce. Retrieved December 5, 2016.
  11. ^Aguilar, Linda. Banks and nonbanks at the end of the ‘80s. Federal Reserve Bank of Chicago, March 1, 1990.
  12. ^Harkness, Brendan. [1]. CreditCardInsider.com, April 7, 2020.
  13. ^Barmash, Isadore. "Sears Net Rises 47.4% in Quarter", The New York Times, April 22, 1987.
  14. ^Kagan, Julia. [2]. Investopedia.com, June 27, 2018.
  15. ^"Greenwood Trust Company Renamed Discover Bank" (Press release). Discover Financial Services. August 1, 2000. Archived from the original on January 21, 2014.
  16. ^"Discover Bank".
  17. ^"Reach and Acceptance | Discover Global Network".
  18. ^"Card Acceptance – Troy – Turkey's Payment Method".
  19. ^"Discover tops Mastercard, Visa as planet's most-accepted payment card". September 28, 2016. Archived from the original on November 17, 2016.
  20. ^"International Credit Card Acceptance | Discover".
  21. ^Kingson, Jennifer A. "Credit Card Issuers Adjust to Open Field", The New York Times, March 26, 2005.
  22. ^Lee Enterprises. "Wal-Mart taps MasterCard for store-branded credit card". stltoday.com.
  23. ^"Federal Deposit Insurance Corporation and Consumer Financial Protection Bureau Order Discover to Pay $200 Million Consumer Refund for Deceptive Marketing". Consumer Financial Protection Bureau.
  24. ^Metro Business; Discover Is Sponsor For Year 2000 Event
  25. ^Back in Times Square, Toshiba Stands Tall
  26. ^"The Mills Corporation Announces the Grand Opening of Discover Mills". PR Newswire. Retrieved March 9, 2016.
  27. ^Sawicki, Beth (September 21, 2012). "Discover Mills renamed Sugarloaf Mills". Gannett. 11 Alive News. Archived from the original on January 16, 2013. Retrieved March 9, 2016.

External links[edit]

Media related to Discover Card at Wikimedia Commons

Источник: https://en.wikipedia.org/wiki/Discover_Card

Use Your Discover Card to Get a $20 Refund on Your Phone Bill

This promotion has ended; please review current/active promotions.

Recently, Discover sent out a targeted email to some of their customers offering them a $20 refund for paying two cell phone bills before the end of September 2019. Unless you have another card which will give you a better reward, this is some easy cash for anyone with a Discover Card.

Discover-20-Cell-Phone-Bill

Key Terms

  • Pay two consecutive cell phone bills with your Discover card to earn a $20 statement credit
  • The second payment must post to your account before September 30th
  • This offer may be limited to those who received an email about the promotion

Not Everyone Will Benefit

This deal is only good if you don't have another card with a better option, or perhaps if you have a very large phone bill (such as a family plan) that will yield better rewards elsewhere. The refund is equivalent to a 10% return if your phone bill is $100 a month, or 5% if your bill is $200 a month. If another credit card is giving you a better reward, this deal probably isn't for you. And, obviously, you need to have a Discover Card to take advantage of this refund.

Some credit cards offer protection for your phone when you pay your bill with them, so this would also have to be taken into consideration. But if it's not too much hassle, why not pay with Discover for a couple months? After all, an extra $20 to spend elsewhere is always nice.

How to Get the Refund

In order to get the $20 refund, simply pay your phone bill for two consecutive months before September 30th. As long as the second payment goes through by that date, Discover will give you a $20 credit to your account. To be clear, you have to make two payments to your phone company. After that, you can go back to your regular payment methods.

Of course, if you're already using your Discover Card to pay your phone bill, you shouldn't have any problem getting this refund. You might have even received an email notifying you of this opportunity. But if not, take advantage of this deal today, and claim your $20 refund!

Источник: https://awardwallet.com/blog/use-your-discover-card-to-get-a-20-refund-on-your-phone-bill/

Discover Card

What Is Discover Card?

Discover is a credit card brand that is issued by the American financial services company Discover Financial (DFS).

Originally issued by retailer Sears, Roebuck & Co. in 1985, Discover cards first distinguished themselves for their reduced fee structure and pioneering cash-back rewards program. Discover has been an independent company since 2007. Today, Discover Cards are among the most widely accepted cards in the world, along with Visa (V), Mastercard (MA), and American Express (AXP).

Key Takeaways

  • Discover is a consumer credit card brand known for its cash-back rewards program and reduced fee structure.
  • Discover Financial issues its cards directly to its customers without using intermediate bank issuers and thus profits directly from the interest earned on their credit card balances.
  • Given its business model, Discover has an added incentive to encourage its customers to borrow more heavily on their cards than on those of their competitors.

History of Discover Card

Discover was created by a subsidiary of Sears in 1985, when many individual retailers and businesses were introducing branded credit cards for their individual stores to their customers. Discover quickly distinguished itself from the competition by charging no annual fee and offering one of the first cash-back rewards programs.

Discover originally was slow to grow, as few competing retailers were willing to accept the Sears department store card. Discover gradually expanded its network and is now accepted in 99% of stores that accept credit cards and in 200 countries. As of 2021, Discover is the seventh largest issuer of cards globally.

How Discover Cards Work

From a consumer’s perspective, Discover cards may seem quite similar to those offered under competing brands, such as Visa or Mastercard. However, behind the scenes are some important differences between the workings of Discover cards and those of its competitors.

We can see this by comparing Discover to Visa cards, for example. Whereas Visa simply licenses the use of its brand name to issuing banks, which then offer Visa-branded credit cards to their customers, Discover actually issues credit cards directly, using its own brand.

For this reason, Discover Financial earns interest income from its credit card customers, in addition to charging payment processing fees to the merchants that accept the Discover card as payment. Visa, by contrast, generates revenue from its payments network but does not directly profit from the credit card balances of its end user. In this way, Discover’s business model is more similar to that of American Express, which is also a direct issuer.

With this in mind, it makes sense that Discover cards have historically offered attractive terms to attract new users, such as being the first major credit card brand to offer cash-back rewards. After all, the company’s profitability relies on increasing not only the card’s acceptance among merchants (thus boosting transaction processing fees) but also the average outstanding balance of their cardholders.

Incentives to encourage customers to borrow more using their Discover cards, such as increasing credit limits or waiving annual account fees, make sense given Discover Financial’s overall business model.

Did You Know?

Discover card customer service is 100% U.S.-based and has an A+ rating from the Better Business Bureau.

Discover Cardholder Perks

Discover offers cards that primarily earn cash back, as well as one that offers generic airline miles (Discover it Miles). Discover’s Cashback rewards program provides a percentage back on all purchases, with 5% cash back on rotating spending categories and merchants on eligible spending up to $1,500 each quarter (with 1% after that) and 1% on all other spending.

The following Discover cards earn Cashback rewards:

  • Discover it Cash Back
  • Discover it Balance Transfer
  • Discover it Student Cash Back
  • NHL Discover it

Other Discover cards have a variations on the cash-back rewards structure. The Discover it Chrome and Chrome Student cards offer 2% cash back on restaurant and gas purchases and 1% on other spending. The Discover it Business card offers unlimited 1.5% cash back on all business-related purchases.

A unique feature of Discover cards is that they automatically match all cash-back rewards earned in the first year, which allows savvy consumers to maximize rotating 5% cash-back categories to get 10% cash back on purchases in their first 12 months. This makes the first year of having a Discover card an excellent reward rate for credit card churners.

Real-World Example of a Discover Card

Let’s say that Mia is considering applying for a new credit card. When researching her options, she notices significant variation in the terms and features offered by the various cards. For instance, plain vanilla cards offer low fees in exchange for few—if any—rewards programs, while other cards, such as the Discover it Cash Back offered by Discover Financial, offer more generous rewards programs and cash-back benefits.

Although these differences are sometimes explained simply by the different annual percentage rates (APRs) and account fees associated with the cards, Mia learned that these variations are also caused by the distinct business models employed by the major credit card brands.

While some companies, such as Visa, generate money primarily from transaction volumes, other companies—such as Discover Financial and American Express—also lend money directly to their cardholders. For this reason, the companies that issue cards directly to their customers have an added motivation to offer rewards programs and other features that incentivize their customers to borrow more heavily on their cards.

FAQs

How do I make Discover card payments?

Because Discover issues cards directly to consumers, payments are made directly to Discover. You can do this by calling the number on the back of your card, mailing in your payment with the payment stub on your bill, or logging in to Discover online and paying individually or setting up automatic payments.

Where is Discover accepted?

Discover is accepted in the United States by 99% of the places that take credit cards. Internationally, Discover is accepted in 200 countries.

How can I request a credit line increase for a Discover card?

Much like American Express, because Discover is a direct issuer that has a vested interest in making money off of consumers with high debt loads and interest payments, Discover will frequently raise credit lines for customers without being asked. If you need an immediate credit line increase, you can do so by calling the number on the back of your card or logging in to the Discover website and selecting “Card Services” and then “Credit Line Increase” from the account services tab.

Is Discover a Visa or a Mastercard?

Neither. Discover is a separate card processing system entirely and is accepted globally in many of the same places where Visa, Mastercard, and American Express are accepted.

Who owns Discover?

Discover was originally owned by Sears, then by financial services provider Morgan Stanley, but has been an independent company since 2007.

Where can I find my Discover account number?

Your Discover credit card account number is the same as your Discover credit card number on the front of your card. If your physical card is not available, you can find your account number by logging in to your online Discover account, or by finding your latest paper statement.

The Bottom Line

Discover cards are widely accepted and offer competitive rates and rewards. If used conscientiously, the automatic cash-back match during the first year offers a rewards rate that can be hard to beat with other personal credit cards currently on the market. Consumers should remember that similarly to companies like American Express, because Discover is a direct issuer, it makes money when customers have more debt and are not paying off their balances each month. As with all credit cards, being conscious of your spending is key.

Источник: https://www.investopedia.com/terms/d/discover-card.asp

: How to pay a discover card bill

How to pay a discover card bill
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How to pay a discover card bill
How to pay a discover card bill

Use Your Discover Card to Get a $20 Refund on Your Phone Bill

This promotion has ended; please review current/active promotions.

Recently, Discover sent out a how to pay a discover card bill email to some of their customers offering them a $20 refund for paying two cell phone bills before the end of September 2019. Unless you have another card which will give you a better reward, this is some easy cash for anyone with a Discover Card.

Discover-20-Cell-Phone-Bill

Key Terms

  • Pay two consecutive cell phone bills with your Discover card to earn a $20 statement credit
  • The second payment must post to your account before September 30th
  • This offer may be limited to those who received an email about the promotion

Not Everyone Will Benefit

This deal is only good if you don't have another card with a better option, or perhaps if you have a very large phone bill (such as a family plan) how to pay a discover card bill will yield better rewards elsewhere. The refund is equivalent to a 10% return if your phone bill is $100 a month, or 5% if your bill victorias secret makeup bag pink & white stripes $200 a month. If another credit card is giving you a better reward, this deal probably isn't for you. And, obviously, you need to have a Discover Card to take advantage of this refund.

Some credit cards offer protection for your phone when you pay your bill with them, so this would also have to be taken into consideration. But if it's not too much hassle, why not pay with Discover for a couple months? After all, an extra $20 to spend elsewhere is always nice.

How to Get the Refund

In order to get the $20 refund, simply pay your phone bill for two consecutive months before September 30th. As long as the second payment goes through by that date, Discover will give you a $20 credit to your account. To be clear, you have to make two payments to your phone company. After that, you can go back to your regular payment methods.

Of course, if you're already using your Discover Card to pay your phone bill, you shouldn't have any problem getting this refund. You might have even received an email notifying you of this opportunity. But if not, take advantage of this deal today, and claim your $20 refund!

Источник: https://awardwallet.com/blog/use-your-discover-card-to-get-a-20-refund-on-your-phone-bill/

How to make a payment

1. Visit the Speedpay® website or call 1-800-979-3967. You will need:

  • Your Visa®, MasterCard®, Discover Card® or American Express®
  • Your ATM/debit card with the STAR, NYCE, ACCEL or PULSE logo from a financial institution that is enrolled in the PIN-less ATM Bill Payment Program*
  • Your FPL account number

FIND MY ACCOUNT

Note: Account lookup feature is for residential accounts only.

  • Your service address ZIP code
  • The billing address for your card (must be a U.S. or Canadian address)

2. Follow the instructions to make your payment. Overpayments of more than $10 will not be accepted.

3. You will receive a confirmation number immediately. Keep this how to pay a discover card bill for your records.

4. Your payment will be posted within minutes to your FPL account.

MAKE A PAYMENT

* The PIN-less ATM program allows a customer to use their ATM/debit card without requiring a pin. Please refer to your financial institution if you have questions about the program.

Источник: https://www.fpl.com/account/bill/credit-card.html
Discover Card Payment

The Discover credit card login is used to make a payment, view a statement or manage your account online. To login, make a payment online or manage your account, click the green “Login Here” button below on this page. You will also find useful bill pay information such as the credit card customer service number, payment mailing address, and billing phone number below.

Discover is a financial services company which offer an extensive range of personal credit cards, banking options and loans to help customers with their savings and spending power, especially for travel and time spent on the road.

How Do I Pay My Discover Card?

Pay Online: With the online Discover Account center, you can make payments and set up automatic bank payments or bill payments. To make your Discover credit card payment online click the green “Login Here” button below to login, register, view your statement or manage your account online. If you are registered for online payments then you can make payments with a mobile smart phone or tablet.

Discover Credit Card Login Button

Pay by Phone: The Discover card payment phone number is 1-800-347-2683. Outside the US call 1-801-902-3100.

Pay by Mail: The Discover Card payment mailing address is: Discover Financial Services, P.O. Box 6103, Carol Stream, IL 60197-6103. Please include your Discover account number on your check. Your account number is located on your statement. To ensure your Discover payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

Pay in Store: Yes. Discover credit card payments can be made in certain Sears stores or at Western Union locations.

Discover Credit Card Customer Service: The Discover Card customer service number is 1-800-DISCOVER. You may also contact them at: Discover Financial Services, P.O. Box 30943, Salt Lake City, UT 84130-0943. If you want to know anything about any of Discover’s credit cards, or to get in contact or find an additional payment address, then click on this link. You can also email Discover for help, though you need an online account.

Discover Credit Cards

Discover cards provide you with very good cashback and points reward schemes, which help with general purchases and also on specific purchases depending on the card you use.

  • Discover It CardA card with competitive interest, long introductory offers, and lots of cashback incentive. Earn 5% cashback on produces and services that change throughout the year up to a certain amount. Up to 20% cashback on purchases made at the Discover online store. Transfer rewards into what you want, including gift cards and charitable donations. Introductory 0% on purchases and balance transfers for 15 months (3% transfer fee). Normal 10.99-19.99% APR.
  • Discover It Card for Students This card provides a cashback bonus scheme on products and services that change throughout the year, and up to 20% cashback on purchases made at Discover online shopping. Rewards are flexible and can be interchanged. Offers include Introductory 0% APR on purchases and no annual fee. Standard 12.99-18.99% APR on purchases.Balance transfers 12.99-18.99%. Cash advance 23.99% APR. All rates are subject to change, depending on the market Prime Rate. Late payment and return fees up to $35.

Discover APR’s will vary depending on the market Prime Rate. Penalty APR for late payments and payment returns is 15.99-24.99%. Late payment fee is up to $35.

Visit Discover on Facebook

Categories Credit Card Payment Directory, Credit Card Payment OnlineИсточник: https://creditcardpayment.net/discover-credit-card-payment-online/

Discover Card

What Is Discover Card?

Discover is a credit card brand that is issued by the American financial services company Discover Financial (DFS).

Originally issued by retailer Sears, Roebuck & Co. in 1985, Discover cards first distinguished themselves for their reduced fee structure and pioneering cash-back rewards program. Discover has been an independent company since 2007. Today, Discover Cards are among the most widely accepted cards in the world, along with Visa (V), Mastercard (MA), and American Express (AXP).

Key Takeaways

  • Discover is a consumer credit card brand known for its cash-back rewards program and reduced fee structure.
  • Discover Financial issues its cards directly to its customers without using intermediate bank issuers and thus profits directly from the interest earned on their credit card balances.
  • Given its business model, Discover has an added incentive to encourage its customers to borrow more old second national bank stock on their cards than on those of their competitors.

History of Discover Card

Discover was created by a subsidiary of Sears in 1985, when many individual retailers and businesses were introducing branded credit cards for their individual stores to their customers. Discover quickly distinguished itself from the competition by charging no annual fee and offering one of the first cash-back rewards programs.

Discover originally was slow to grow, as few competing retailers were willing to accept the Sears department store card. Discover gradually expanded its network and is now accepted in 99% of stores that accept credit cards and in 200 countries. As of 2021, Discover is the seventh largest issuer of cards globally.

How Discover Cards Work

From a consumer’s perspective, Discover cards may seem quite similar to those offered under competing brands, such as Visa or Mastercard. However, behind the scenes are some important differences between the workings of Discover cards and those of its competitors.

We can see this by comparing Discover to Visa cards, for example. Whereas Visa simply licenses the use of its brand name to issuing banks, which then offer Visa-branded credit cards to their customers, Discover actually issues credit cards directly, using its own brand.

For this reason, Discover Financial earns interest income from its credit card customers, in addition to charging payment processing fees to the merchants that accept the Discover card as payment. Visa, by contrast, generates revenue from its payments network but does not directly profit from the credit card balances of its end user. In this way, Discover’s business model is more similar to that of American Express, which is also a direct issuer.

With this in mind, it makes sense that Discover cards have historically offered attractive terms to attract new users, such as being the first major credit card brand to offer cash-back rewards. After all, the company’s profitability relies on increasing not only the card’s acceptance among merchants (thus boosting transaction processing fees) but also the average outstanding balance of their cardholders.

Incentives to encourage customers to borrow more using their Discover cards, such as increasing credit limits or waiving annual account fees, make sense given Discover Financial’s overall business model.

Did You Know?

Discover card customer citizens bank student loan contact number is 100% U.S.-based and has an A+ rating from the Better Business Bureau.

Discover Cardholder Perks

Discover offers cards that primarily earn cash back, as well as one that offers generic airline miles (Discover it Miles). Discover’s Cashback rewards program provides a percentage back on all purchases, with 5% cash back on rotating spending categories and merchants on eligible spending up to $1,500 each quarter (with 1% after that) and 1% on all other spending.

The following Discover cards earn Cashback rewards:

  • Discover it Cash Back
  • Discover it Balance Transfer
  • Discover it Student Cash Back
  • NHL Discover it

Other Discover cards have a variations on the cash-back rewards structure. The Discover it Chrome and Chrome Student cards offer 2% cash back on restaurant and gas purchases and 1% on other spending. The Discover it Business card offers unlimited 1.5% cash back on all business-related purchases.

A unique feature of Discover cards is that they automatically match all cash-back rewards earned in the first year, which allows savvy consumers to maximize rotating 5% cash-back categories to get 10% cash back on purchases in their first 12 months. This makes the first year of having a Discover card an excellent reward rate for funny thank you post for birthday wishes card churners.

Real-World Example of a Discover Card

Let’s say that Pnc bank mortgage contact number is considering applying for a new credit card. When researching her options, she notices significant variation in the terms and features offered by the various cards. For instance, plain vanilla cards offer low fees in exchange for few—if any—rewards programs, while other cards, such as the Discover it Cash Back offered by Discover Financial, offer more generous rewards programs and cash-back benefits.

Although these differences are sometimes explained simply by the different annual percentage rates (APRs) and account fees associated with the cards, Mia learned that these variations are also caused by the distinct business models employed by the major credit card brands.

While some companies, such as Visa, generate money primarily from transaction volumes, other companies—such as Discover Financial and American Express—also lend money directly to their cardholders. For this reason, the companies that issue cards directly to their customers have an added motivation to offer rewards programs and other features that incentivize their customers to borrow more heavily on their cards.

FAQs

How do I make Discover card payments?

Because Discover issues cards directly to consumers, payments are made directly to Discover. You can do this by calling the number on the back of your card, mailing how to pay a discover card bill your payment with the payment stub on your bill, or logging in to Discover online and paying individually or setting up automatic payments.

Where is Discover accepted?

Discover is accepted in the United States by 99% of the places that take credit cards. Internationally, Discover is accepted in 200 countries.

How can I request a credit line increase for a Discover card?

Much like American Express, because Discover is a direct issuer that has a vested interest in making money off of consumers with high debt loads and interest payments, Discover will frequently raise credit lines for customers without being asked. If you need an immediate credit line increase, you can do so by calling the number on the back of your card or logging in to the Discover website and selecting “Card Services” and then “Credit Line Increase” from the account services tab.

Is Discover a Visa or a Mastercard?

Neither. Discover is a separate card processing system entirely and is accepted globally in many of the same places where Visa, Mastercard, and American Express are accepted.

Who owns Discover?

Discover was originally owned by Sears, then by financial services provider Morgan Stanley, but has been an independent company since 2007.

Where can I find my Discover account number?

Your Discover credit card account number is the same as your Discover credit card number on the front of your card. If your physical card is not available, you can find your account number by logging in to your online Discover account, or by finding your latest paper statement.

The Bottom Line

Discover cards are widely accepted and offer competitive rates and rewards. If used conscientiously, the automatic cash-back match during the first year offers a rewards rate that can be hard to beat with other personal credit cards currently on the market. Black victoria secret angels should remember that similarly to companies like American Express, because Discover is a direct issuer, it makes money when customers have more debt and are not paying off their balances how to pay a discover card bill month. As with all credit cards, being conscious of your spending is key.

Источник: https://www.investopedia.com/terms/d/discover-card.asp

What forms of payment are accepted for renting a car?

Forms of Payment Policies

I will be renting at an airport location in the United States

At our airport locations, located within the United States and Puerto Rico, you can provide a credit card or debit card as an acceptable form of payment. Please be advised when using a debit card, special conditions may apply, so please read all the conditions below.

Credit Cards

  • A major credit card is a card that is supported by a pre-determined line of credit, and not a bank account, or a pre-paid balance.
  • We currently accept American Express, Discover Network, MasterCard, and Visa credit cards at our US Aiport Locations.
  • At the time of rental, a credit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out the cost of the security deposit, you will need to contact the location directly.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • If the renter reserved online, the name printed on the card presented by renter must match the name booked for the online transaction and identification presented.

Debit/Check Cards

  • Debit card deposits are only accepted at the time of rental if accompanied by a ticketed return travel itinerary. The name and address shown on the renter’s driver’s license must match their current home address. Active duty military personnel are exempt from address requirements.
  • Other than the renter’s spouse or public bank current account charges partner, no other additional drivers are allowed. 
  • At the time of rental, charges will be placed on the debit card which reduces the available funds in the account associated with the card used. Renter is responsible for any overdraft fees incurred.
  • Disembarking passengers will be asked to provide a credit card or debit card with funds to cover the cost of the rental. Renters without a ticketed return travel itinerary will need to provide a credit card with sufficient funds to cover the cost of the rental plus $200. Debit cards are only accepted at the time of how to determine mortgage payments formula if accompanied by a ticketed return travel itinerary.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • At the end of the rental, if you are entitled to a refund, the location will release the funds immediately. Due to bank processing times, this could be delayed a couple of days, but we find that typically customers have their refund within 15 business days.

FORMS OF PAYMENT NOT ACCEPTED:

Cash

Virtual Credit Cards:

  • Enterprise does not accept online-only, virtual credit cards or any other type of "single-use" card number security product or one-time use credit card number that may be provided by credit card companies for online use.
  • Enterprise shall not assume responsibility or liability in connection with the use of on-line only, virtual credit cards or any other type of "single-use" card number how to pay a discover card bill product or como preparar bifum simples use credit card number that may be provided by credit card companies for online transactions.
  • Enterprise shall have no obligation to honor transactions made with such cards.

I will be renting at a non-airport location in the United States

At our non-airport locations, located within the United States and Puerto Rico, you can provide a credit card or debit card as an acceptable form how to pay a discover card bill payment. Please be advised when using a debit card, special conditions may apply, so please read all the conditions below.

Credit Cards

  • A major credit card is a card that is supported by a pre-determined line of credit, and not a bank account, or a pre-paid balance.
  • We currently accept American Express, Discover Network, MasterCard, and Visa credit cards at our US Airport Locations.
  • At the time of rental, a credit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out the cost of the security deposit, you will need to contact the location how to pay a discover card bill signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • If the renter reserved online, the name printed on the card presented by renter must match the name booked for the online transaction and identification presented.

Debit/Check Cards or Money Order

  • Some Enterprise Rent-A-Car locations may accept debit cards to secure the rental transaction. To reserve a vehicle without a major credit card, please contact the local office directly.
  • A rental branch may require a combination of these items:
    • Two current utility bills - example: water bill, gas bill, or an internet/cable bill. 
    • Your most recent paycheck stub
    • A minimum deposit plus the entire cost of the rental at the time of pickup. Please see renter requirements policy when booking a reservation as the amount can vary between locations.
    • Proof of insurance.
    • Personal references - for security reasons, when you come in the branch may ask for two people they can contact to verify who you are and where you live. Most of the time you will need their full name and phone number.
  • To get specific requirements how to pay a discover card bill to find out if the location you wish to rent from allows cash or money orders, please contact the renting location directly.
  • At the time of rental, a debit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out the cost of the security deposit, you will need to contact the location directly.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • At the end of the rental, if you are entitled to a refund, a refund will be released to your bank. Refunds are generally received within 20 business days from the conclusion of the rental. For payments made by cash, check or money order, any such excess will be refunded by check.

I will be renting at an airport location in Canada

At our airport locations, located within Canada, you can provide a credit card as an acceptable form of payment.

Credit Cards

  • A major credit card is a card that is supported by a pre-determined line of credit, and not a bank account, or a pre-paid balance.
  • We currently accept American Express, MasterCard, and Visa credit cards at our Canadian Airport Locations.
  • At the time of rental, a credit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out the cost of the security deposit, you will need to contact the location directly.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • If the renter reserved online, the name printed on the card presented by renter must match the name booked for the online transaction and identification presented.

METHODS OF PAYMENT NOT ACCEPTED:

Debit/Check Cards

  • Debit/Check cards are not accepted at the time of pickup
  • At the time of return, the location may accept money orders, traveler's checks, or a debit card, as long as it is not a Canadian based debit card, as a form of payment.

Cash

Virtual Credit Cards

  • Enterprise does not accept online-only, virtual credit cards or any other type of "single-use" card number security product or one-time use credit card number that may be provided by credit card companies for online use. 
  • Enterprise shall not assume responsibility or liability in connection with the use of on-line only, virtual credit cards or any other type of "single-use" card number security product or one-time use credit card number that may be provided by credit card companies for online transactions.
  • Enterprise shall have no obligation to honor transactions made with such cards.

I will be renting at a non-airport location in Canada

At our non-airport locations, located within Canada, you can provide a credit card or debit card as how to pay a discover card bill acceptable form of payment. Please be advised when using a debit card, special conditions may apply, so please read all the conditions below.

Credit Cards

  • A major credit card is a card that is supported by a pre-determined line of credit, and not a bank account, or a pre-paid balance.
  • We currently accept American Express, MasterCard, and Visa credit cards at our Canadian non-airport locations.
  • At the time of rental, a credit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out wells fargo hours open on saturday cost of the security deposit, you will need to contact the location directly.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • If how to pay a discover card bill renter reserved online, the name printed on the card presented by renter must match the name booked for the online transaction and identification presented.

Debit/Check Cards or Money Order

  • Some Enterprise Rent-A-Car locations may accept debit cards, pre-paid cards, or other forms of payment to secure the rental transaction. To reserve a vehicle without a major credit card, please contact the local renting location directly.
  • At the time of rental, a debit card must be presented with available credit, in the renter's name. In addition to the anticipated cost of the rental, an additional security deposit may be required. To find out the cost of the security deposit, you will need to contact the location directly. Any deposit or cost of the rental held at the start of the rental is a sale on the debit card as funds are being taken from the associated checking account.
  • For security reasons, many Enterprise branches do not accept cash payments. We apologize for any inconvenience. However, some branches may accept cash or a money order using the "cash qualification" process below for customers who do not have a credit card.
  • Generally, a branch may require some, but not limited to, the following:
    • Two current utility bills - example: water bill, gas bill, or an internet/cable bill. 
    • Your most recent paycheck stub
    • A minimum deposit plus the entire cost of the rental at the time of pickup. The deposit amount varies by location so it is always best to contact them directly.
    • Proof of insurance - if you don't have insurance, don't worry; we can help make sure you are protected. To learn more about our protection products, click here.
    • Personal references - for security reasons, when you come in the branch may ask for two people they can contact to verify who you are and where you live. Most of the time you will need their full name and phone number.
  • To get specific requirements or to find out if the location you wish to rent from allows cash or money orders, please contact the renting location directly.
  • The signature on the back must match the name imprinted on the card and the signature on the rental agreement.
  • At the end of the rental, if you are entitled to a refund, the location will release the funds immediately. Due to bank processing times, this could be delayed a couple days, but we find that typically customers have their refund within 15 business days. 
Источник: https://www.enterprise.com/en/help/faqs/forms-of-payment.html

When Is My Credit Card Bill Due?

One of the most important credit card rules to follow is to make your credit card payment on time each month. Timely payments not only help you avoid late payment penalties, they also help you build a good credit score. But to make your credit card payment on time, you have to know when the credit card bill is due, right?

Three Ways to Figure Out Your Credit Card Due Date

The best way to figure out when your credit card bill is due is to read your credit card billing statement. Information about your credit card payment, including the minimum payment amount and the due date, will appear at the top of your statement and on the coupon that you include with your mailed credit card payment.

Your credit card statement must be mailed to you 21 days before your due date to give you a chance to take advantage of the grace period if it applies.

If you’ve created an online account to access your credit card account, you can also check your due date by logging in to verify the next payment due date. Once you've logged on, you can also schedule a future payment or make an immediate payment to be applied to your account right away.

Your third option is to call the customer service number on the back of your credit card to confirm your due date. Your credit card issuer’s automated menu may have an option to give your due date without you having to speak to a representative. Similar to checking your due date online, you may have the option to schedule or make a payment by phone using your checking account and routing number.

Be Sure to Make Your Due Date

In general, your payment must be made by 5 p.m. on the due date to be considered on time. Some credit card issuers may consider your payment on time if it's made by phone or internet after 5 p.m. on the due date, but the exact cutoff time varies by credit card issuer. Check with your credit card issuer for the exact how to pay a discover card bill time.

Avoid waiting until the last minute to make your payment. The payment cutoff time may be based on your credit card issuer's time zone.

What If You Pay Late?

If your payment is received after the cutoff time on the due date, it’s considered late and you’ll have to deal with the peoples savings bank montezuma payment penalties, including late payment fees and possible interest rate increases, even if your due date falls on a holiday or Sunday. That means you need to send your payment ahead of time to be sure your credit card issuer receives it by the cutoff.

Online payments can sometimes be made one day in advance (and possibly even on the due date up until the minute before the cutoff time), depending on processing times. This helps if you know you'll be busy on your bill's due date.

Checks and money orders should be mailed several days in advance so they arrive and can be processed before the cutoff time. You could be charged a late fee if your credit card issuer receives your payment after the due date, even if you mailed it before the due date.

Thanks to the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act, your credit card bill is due on the same date every month. So, if your bill is due on January 5th, it will also be due February 5th, March 5th, April 5th, and so on. That makes it much easier to keep up with your due date. Make a list of payment due dates or set a reminder on your phone so you won’t forget to pay your bill each month.

If you have credit cards with several credit card issuers, you’ll probably have varying due dates. You can typically call to have your student checking account promotions date changed if you’d like to have your payments all due on the same day. Some banks allow you to change your due date online. That could make it easier to meet all your payments, but be aware of how it will affect your other bills and leftover spending money.

Paying Before the Due Date

You don't have to wait until the due date to make your payment. In fact, you should make your credit card payment before the due date, as paying your bill early can improve your credit score. It also gives you time to confirm your payment has posted to your account. If there's an issue with your credit card payment, you'll have time to make it up and avoid late payment penalties.

Frequently Asked Questions (FAQs)

How do you change your credit card due date?

To change your credit card due date, you'll need to call your credit card's customer service department. Some card issuers also allow you to change your due date online or by using their mobile app. If you have a past due balance, you may need to pay that before you can change your card's due date.

What happens if you pay your credit card before the due date?

If you pay your credit card bill before the due date, you could lower your card's utilization percentage before the issuer reports to the credit bureaus. This could give your credit score a boost. Credit utilization is the amount of your available credit that's being used. For example, if you have a $3,000 balance on a card with a $10,000 limit, you're using 30% of your available credit. It's recommended to keep your balance below 30% of your card's borrowing limit. A utilization of over 30% can bring down your credit score.

Источник: https://www.thebalance.com/when-is-my-credit-card-bill-due-960088

4 Replies to “How to pay a discover card bill”

  1. i have the “partially secured” card.. same card really, i put $99 for a $500 limit. awesome card, no problems and ive had it for 6 months.. already have +$40 cashback rewards.. not bad i think

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