What to Do When You Can’t Pay Your Discover credit card Bill
As one of the leading issuer of credit cards in the world, Discover is poised to charge the market place with its products and services. The company introduced the world to cash back rewards and now focuses on providing customers with no annual fees. The Discover credit card is accepted at more than 4,400 locations throughout the world.
How to Pay the Bill
As a customer using the Discover credit card, you have the ability to make a payment in the following ways:
Pay online: Customers can pay your Discover credit card bill online by visiting https://www.discovercard.com/cardmembersvcs/loginlogout/app/ac_main?link=misc/redirect/online_payments_landing.htm.
Pay by phone: Call 1-800-347-2683 to make a payment by phone. Timely payments ensure you are not charged a late payment fee.
Pay by mail: Visit the following locations to pay your bill by mail.
Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943
Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103
Western Union: For a small convenience fee, customers can utilize Western Union to make your Discover credit card bill payment.
Automatic draft: Customers can schedule your bill payment directly from your bank account by using automatic draft. You will need to wait approximately 60 days for the service to be active.
Pay in person: Customers can visit your local Sears department store to pay your bill in-person.
Questions About Your Billing Statement or Account?
As a customer, you have the ability to question the service charges and fee associated with your Discover credit card account. You can contact customer service at 1-800-347-2683 or visit the Customer Resource page.
How the Penalty Fees Work
When you receive your monthly statement, you may notice the following fees on your account statement:
- Late payment – $25 (non late payments during the first six billing cycles); $35 (if you received a late payment during the first six billing cycles)
- Returned payment – $25 (non late payments during the first six billing cycles); $35 (if you received a late payment during the first six billing cycles)
- Returned check – $25 (non late payments during the first six billing cycles); $35 (if you received a late payment during the first six billing cycles)
- Balance transfer – 5% of the transaction amount or $10
- Cash advance – 5% of the transaction amount or $10
- Annual fee – $60
- Research fee – $5
I Can’t Make a Payment
When you face a financial crisis and can’t make a payment, customers that use the Discover credit card have to contact customer service at 1-800-767-1146 and request assistance. The company offers the following programs and services.
- Payment plans
- Extended payments
- Change of due date
- Consumer credit counseling
Will They Work With Me to Pay My Bill?
Discover clearly touts the benefits of using the credit card, but does the company stand behind its customers in times of need? You may face difficulty paying your bill and need assistance. Was Discover there to help or did you seek another assistance program. Let us know your thoughts and experiences.