How to Close Credit Card Discover: Effortless Steps

Discover offers a variety of credit cards with different discounts and offers. Many people own multiple credit cards but sometimes struggle to manage them, leading to cancellation. Here’s a simple guide on how to close credit card Discover

Can you close a Discover credit card?

Yes, you can close a Discover credit card whenever you want to after settling all your credit dues. You might have different reasons like high APR%, hidden fees, weak rewards and cashback, and lack of personal use before closing a Discover credit card. However, it’s always advisable to keep a credit card open with minimal use at least, especially if it’s an old account you are dealing with to maintain your credit score by not affecting the credit utilization ratio. 

How to close Discover credit card quickly? 

Discover has made closing a credit card easy for its customers. Here are the options:

1. Quick Methods

Speak to Customer care– Discover has live customer service agents-24/7. You can quickly close your Discover credit card by calling the number on the back of the card or at 1-800-347-2683 (English/Español) and explaining your reasons. Remember not to share any OTP or password with the customer care representative.

Discover General Customer Care– You can also reach Discover’s Online Banking Technical Support at 1-800-290-9885 for general queries. 

General Chat

If you want to know the cancelation process quickly, you could also chat to get automated responses to your queries regarding closing Discover credit card procedures. 

Live Secured chat – 

Log in with your credentials on the website 

Go to the “Help” section and pick to have a live secured chat with Discover’s customer care. When you chat live through your account, you are already verified through your online account. 

2. Standard Methods

Mail – Mailing credit card closure forms to Discover offices is the slowest option in today’s internet age, but some countries still use this method.

Mailing Address -Contact Discover by mail For checking and savings accounts General Correspondence Discover Bank PO Box 30416 Salt Lake City, UT 84130 

For online – You could also learn how to close a credit card online by raising requests through Discover’s website or Mobile application (as explained below) 

How to close credit card discovery online? 

Raising a closure request online is an effective way to cancel your Discover credit card. You don’t have to spend hours holding the phone to follow up on your request. You get everything notified to you through your email and online account. 

Step 1: Go to the login screen

Step 2: Select your credit card and enter your credentials to log in successfully. 

Step 3: Once you log in, you will see a section listing the different credit cards you currently hold with Discover. 

Step 4: Select the Discover credit card you want to close online [pic] 

Step 5: Now, you will see a lot of options in the header part of your screen. 

Click on Card Services. [pic] 

Step 6: Pick the cancel credit card option. 

Step 7: Raise a dispute or request here to close your Discover credit card online by following the steps listed on the screen. 

How to close credit card Discover account? 

The best way to close your Discover credit card account is through Discover’s website. 

Step 2: Select your credit card account. 

Step 3: Navigate to the “Payments” section. 

Step 4: Click on “Manage Bank accounts“. You select to close the bank account associated with your credit card. 

How to close credit card Discover UK? 

Discover credit cards are moderately accepted in the UK 

Discover Credit card Customer care UK – OUTSIDE U.S. 1-224-888-7777 (English/Espanol) 

When does Discover close your credit card?

Though closing credit card accounts is primarily under the user’s control there could be times when Discover can intervene to maintain their rules and regulations. 

1. If your credit card is active, while your account is new and hasn’t been minimally used with no activity under the account, then Discover can close your credit card sometimes. 
2. If you are recurringly defaulting your credit payments and fees, discover will close your credit card deeming you unfit to own any further credits until you clear the dues.
3.  Any fraud/suspicious activity in your accounts or through payments, Discover can close your credit card to safeguard their other customers. 
4.  If your credit card is lost and upon raising a request, Discover will close your credit card to protect your accounts from being misused. 

How to close credit card discover pending payment 

You can close your Discover credit card with pending payments online through their website.

Step 1: Login 

Step 2: Under Credit Cards, select your Discover credit card you want to close or cancel pending payments for 

Step 3: Click “Payments” from the above menu option 

Step 4: Select “Pending Payments” from the drop-down list, you will get a list of your pending payments associated with your Discover credit card. 

Step 5: Click on the cancel button to cancel the payment [pic] 

Step 6: You will be navigated to a confirmation page to cancel it further, Click on the “Cancel Payment” button at the bottom, 

Step 7: Now you will get a confirmation on your cancelation scheduled payment of your Discover credit card. 

How to close discover credit card history?

You can’t delete your Discover credit card history. Credit bureaus and government rules require banks to keep this information for security reasons. You can cancel your card and close your account, and you won’t owe anything, but your history will remain in the database for future reference and credit score calculations.

As a customer, you can close your credit card by clearing all pending payments online. You can also call customer care to confirm any dues and request an email confirmation of your account closure.

How to get credit card statement Discover?

Credit card statements are useful for many reasons. The easiest way to access them is through the Discover website.

• Through Application 

1.1. Retrieve Discover Credit card statement –>

Login successfully —> Select your credit card –> Click on “Payments” –>Under “Payment History” Select a date and receive a credit card statement.

You can check your statement online or get the statement downloaded on your system. 

1.2. Recent Spend Activities = 

Log in to the application –> Select your Credit card under the “Credit Cards” section. –> Click “Activity” from the menus above.  –> Select “Recent Activity”.

Recent Activity will show limited entries of your recent spending activity on your credit card account.

• Physical copy

You can call customer care and request them to send a physical copy of your  Discover credit card statement. You will be asked a few security questions by Discover before mailing the statement to your location. 

However, Sometimes for security purposes, you will be asked to raise this request online through your account

Login successfully –> Select credit card –> Under “card services” raise a statement request.