Discover is a credit card brand company in America. The company was founded in, 1985 by Sears. Discover works under its parent organization, Discover Financial Services
Paying your credit card bill can be a hassle. However, the Discover Online Bill Payment service has simplified this very thing for their customers who are holders of the Discover cards. You need to get access to the bank’s official site and then log in to your online account from where bill payments are easy and fast. If you don’t yet have the online account access, then you have to register for the online Account. For this online account, you need to provide your Discover Card details, such as card number and its expiration date. You will also have to give the details of the primary card member information, such as, date of birth and the last four digits of your social security number.
Features of the card account center
- You can have 2 payments in a day through the Discover Card Account Center, and you can use multiple bank accounts.
- On your card account, you can always store and use up to 8 bank accounts
- If you ever want to delete the information of your bank account that is linked with the online payments, then you can do that after logging in to the online account of yours.
- You have to log in to your account and check the option ‘Remove a Bank Account’ from that place and this is to delete the details.
- The an account that you have deleted if it’s linked with one pending payment, then that payment will be deleted too.
- In case you want to cancel your enrollment in the reoccurring online payments, then you can do it by deleting that bank account that you have linked earlier for the online payments.
- The online payments you have scheduled will be canceled, when you delete the linked bank account.
Features of the Discover credit cards
- You will get $500 and 90 days of protection on damaged or stolen cards.
- If you buy a Discover card from any store at a lower price for 90 days, the bank will cover for it.
- Through online shopping malls, you can earn rewards with your Discover cards
- You can even save money with price protection
- Enjoy 5%, 2% cashback on purchasing from a gas station, Amazon.com, grocery stores, restaurants and from some other places. With that 15 cashback on other kinds of purchases.
- You will also get 1.5x miles with the travel card.
- You can redeem your rewards anytime you want.
- There will be no annual fees for 14 months.
Rates of the Discover cards
- 24% to 25.24%, will be the APR
- Balance Transfer Intro fee is 3%
- Cash Advance you have to pay $10 or 5% of the amount of each cash advance,
- Penalty Fees is $39.
- Late Payment is $39.
- The returned payment is up to $39.
The payment requirements for Discover cards
For Discover it Card Members
- Payments has to be submitted before midnight, then only it will be credited to your account that day.
- Payments made on your cycle date which is submitted before 5:00 p.m. it will be credited on that same day
- All the same day payments that are submitted before 5:00 p.m. might get cancelled until 5:00 p.m. on that day.
- If you schedule payment for a future date, it will be credited to your account on the date you have selected. Future scheduled payments might get canceled until 5:00 on the scheduled date.
For Non-Discover It Cardholders
- Payments that you have submitted before 5:00 p.m. with a payment posting date of the same day will be credited to your account on that same day
- After 5:00 p.m. payments will not be submitted with a posting date of that day
- If you schedule payment for a future date, it will be credited to your account on the date you have selected.
- All the online and phone payments scheduled, but not yet posted, might get canceled online up until 5:00 p.m. and it will not be posted to your account.
There are three ways you can pay the credit card bill of Discover, and they are phone, mail and online. For the third you have to register and login to the online account first.
Register for Discover credit card
For this, you have to go to, www.discover.com/payments
- Here, at the top right side side, you have to click on, ‘Log in’ in orange and will get a white box, and at the bottom of it, click on, ‘Register your account’.
- On the next page, at the left side click on, ‘Register now’ under, ‘Credit cards’.
- Here, at the left side, you have to enter,
- 16-Digit Card Number
- Expiration Date
- Date of Birth
- Last 4 Digits of Social Security Number
- After that, click on, ‘Continue’ in orange.
Logging into the account
To log in, you need to go to, www.discover.com/payments
- Here, at the top right side side, you have to click on, ‘Log in’ in orange, you will get a white box, and here, you have to input,
- The user ID and the set password.
- Then, press on, ‘Log in’.
Forgot username or password
If you have lost the login details of Discover card, then you need to go to the same page login box, here, under the ‘Login’ at the left side you will get the option for, ‘Forgot user ID/Forgot password?’. For user ID,
Here you have to input
- 16-Digit Card Number
- Card Expiration Date
- Primary Card member’s Date of Birth
- Primary Card member’s Last 4 Digits of SSN
- After typing this you have to click on, ‘Continue’.
For Password, click on ‘Forgot password?’. Here, you have to type,
- 16-Digit Card Number
- Card Expiration Date
- Primary Card member’s Date of Birth
- Primary Card member’s Last 4 Digits of SSN
- After typing this you have to click on, ‘Continue’.
Follow the prompts after this and in this way you will get the login details back.
Benefits of online account
- You can check your account balance
- Get to view transactions
- Pay bills
Activate the card
To activate the card you have to visit, www.discover.com/payments
Here, at the top right side side, you have to click on, ‘Log in’ in orange, you will get a white box, and at the bottom of it, click on, ‘Activate credit card’.
Here, you will get two options, ‘Without logging in’, and ‘Log in’.
For the first, you have to type,
- Date of Birth
- Last 4 Digits of SSN
- 16-Digit Card Number
- Card Expiration Date
- The 3 digit Sequence
- Then press on, ‘Continue’ in orange.
Then again with log in, you have to type,
- User ID
- Password
- The 3 Digit Sequence ID
- Then click on ‘Continue’ in orange.
Do follow the prompts and you can activate the card.
Phone payment
To pay by phone, you have to call on the toll-free number, 1-800-347-2683.
Mail payment
If you want to mail the payment, then you have to send a check, and you have to post it to,
Discover Financial Services, P.O. Box 6103, Carol Stream, IL 60197-6103.
Read Also. Apply And Activate Your First Premier Bank Credit Card
Contact details
To contact Discover, with the credit card questions, you can call on, 1-800-347-2683. For outside, USA, 1-801-902-3100. Or for general queries, you can send a mail to, Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943.
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