How To Cancel Discover Card | Follow These Easy Methods

Discover is the world’s leading digital payment and services organization but still doesn’t mean that everything they roll out will have to be liked by everyone, and that’s why they offer simple and quick ways to cancel the Discover cards. There are numerous discussions over the many social media platforms about the rewards, offers, and issues of Discover cards. From diverse needs to complex issues, Discover addresses all, but still.

No worries, what if Discover Card is one of the largest credit card brands issued primarily in the United States by Discover Financial Services what if they are highly known for cover cards with cash-back rewards programs offering a percentage of money back on purchases, you have already decided to give it back and you will do it, I will help you with that. It shall also not impact your decision that they are also widely accepted by merchants, which hardly matches with any other such services both online and in stores.

This guide has been designed to help you out by providing ways to cancel your Discover card. The two methods offered by the company are explained below, but before you start the process make sure you go through the important know-before pointers mentioned to ensure a smooth process flow. To switch to another such service, I have some best alternatives to Discover Card mentioned below.

What Are Discover Cards?

Discover cards are commonly known as a type of credit card issued by Discover Financial Services, a major financial institution in the U.S. Below are some of the benefits of using a Discover Card;

• Cash-back rewards: Discover cards offer some of the most high cash-back rewards programs on the market. You can earn cash back on every purchase of yours, or on select categories of purchases.
• Types of Cards: Discover provides a variety of card options curated to different needs which include student cards, travel cards, and secured credit cards for building or rebuilding credit.
• No annual fee: Many of Discover cards have no annual fee, which can save you money in the long run.
• Wide acceptance: Discover cards are known for their wide acceptance by merchants in the United States, as well as in many other countries.
• Good customer service: Discover is popular for its good customer service.
• Security Features: Discover cards come with various security features such as alerts for suspicious activity, the ability to freeze and unfreeze the card, and many more.
• Introductory APR Offers: Discover cards are often issued with introductory 0% APR offers on purchases and balance transfers for a specified period, which helps in managing debt or financing large purchases.
• Free FICO Credit Score: Cardholders are provided free access to their FICO credit score helping them monitor their credit health.
• Fraud Protection: Discover offers robust fraud protection which includes zero liability for unauthorized purchases.

Also, read How To Cancel Virgin Active Membership

What To Know Before Canceling Discover Card

1. Remember to inform the Discover company before canceling your credit card and never simply try to destroy the card and let it be, it would impact your credit score highly. Also, know that you are only responsible for any debt accumulated on your Discover Account
2. Canceling your Discover Card could potentially impact your credit score, which will also increase your credit utilization rate.
3. Your closed credit card can be still seen on your Discover Credit Card history for up to 10 years.
4. Pay Off The Balance: Before initiating the request to cancel your Discover Credit Card Account make sure that you do not have any remaining balance or debt on your account. Ensure to clear any outstanding balance on your Discover Account and then begin the cancelation process. To pay off your balance, you can also enable the automatic payment option on your account or you can use the Balance Transfer service. 
5. Remaining Rewards Before Canceling Credit Card: Check if you still have any special rewards, points or offers remaining in your credit card account, make sure to utilize them before canceling the account as they won’t be accessible after you have canceled your card. 
6. Inform About Your Account Closure: If any of your family members or friends are sharing the account with you which is quite often observed to utilize the offers, coupons and cashback ideally then let them know about your account closure to avoid any declination. 
7. Destroy Your Card: As soon as your Credit Card request is accepted and the cancel process is completed, it is best advised to destroy your card, to avoid any ID theft or card duplication.

Also, read How To Cancel Savage X Fenty Membership

Can I Cancel My Discover Card Anytime?

Yes, you can cancel your definitely Discover Card anytime you want to, I hope you are clear with the above important pointers and can well decode the exact time to proceed with the cancellation request. 

How To Cancel Discover Cards?

Canceling the Discover Card is an easy process and can be mainly done by two different ways;

• Via Calling
• Via Mail

Let’s understand the both methods are explained separately in simple steps;

How To Cancel Discover Card By Calling

It’s a simple and easy method to put forward your request. Before you call them make sure you have your account information readily available. Information and details required are your Card number and details, the name listed on the account, and other general information.

Follow the simple steps below to cancel your Discover card over a phone call.

1. Call Discover at (1-800-347-2683) from your registered mobile number, you can also find the phone number on the back of your credit card.
2. Put forward your concern once you get connected to a representative that you wish to cancel your Card.
3. Make sure you remember all your card details or account information. Provide all the required details. 
4. Be prepared to answer some questions to verify your identity, such as your name, account number, and Social Security number (last four digits).
5. Cross-Verify with the customer service agent that your card has been canceled/processed before you finish the call. Ask for a confirmation message for your request for any future correspondence.

Also, read How To Cancel Haven Holiday | Follow These Simple Steps

How To Cancel Discover Card By Mail 

This method takes time, but is simple, if you are not in any hurry for your concern to be heard, follow the steps outlined below;

1. Draft a detailed letter that mentions your intention to cancel the Discover card.
2. Mention in the subject line “ To Cancel Discover Card”. This ensures that request is next forwarded to the concerned department for quick procession.
3. Mention your concern about canceling and also support it with a simple and valid reason. Include important details like your name, billing address, card details, etc. 
4. Post the letter to the following Mailing Address.

P.O. Box 3098 Columbus, OH 43219-3098.

5. Check for any correspondence in the next couple of days in your mailbox and proceed as outlined.

How To Close Discover Account Online?

As per the current scenario, Discover does not offer any provision for its cardholders the option to cancel their credit card directly online from their account. The only way available for credit card cancelation is by contacting the Discover Customer Service team and requesting them to cancel the credit card. Canceling your credit card automatically cancels your account with them, but you can enquire them separately about your data conditioning and how they are going to secure it further.

Also, read How To Cancel Nurx Subscription?

How To Freeze Your Discover Card

Discover “Freeze It” is a feature that is a convenient and secure way to manage your credit card. If you’re concerned about some unauthorized activity or simply want some peace of mind, freezing your Discover card could be a great option. If you are still not sure if you really want to cancel your Discover card or not, the simple option is to freeze your card.

Discover offers a feature called “Freeze It” that allows cardholders to temporarily freeze their Discover credit card account. This is a great option also if you’ve misplaced your card, suspect fraudulent activity, or simply want to prevent unauthorized charges.

Know the key points;

• Freezing your Discover card is totally free.
• The process is for a few seconds only, either through the Discover mobile app or website.
• Remember that after you have frozen your card, new purchases, cash advances, and balance transfers are blocked.
• You can easily unfreeze your card whenever you feel like it and start using it again as earlier.
• Freezing your card won’t stop the recurring charges or automatic payments already set up.
• If your card is frozen and you attempt to make a purchase, the transaction will decline.

Know the simple steps on how to freeze your Discover card:

1. Log in to your Discover account: You can do this either through the Discover mobile app or the Discover website.
2. Go to your account settings: The specific steps may vary slightly depending on the platform you’re using, but these settings are usually found in a section labeled “Account Management” or “Security Settings.”
3. Look for “Freeze It”: Once you’re in your account settings, look for a section or button labeled “Freeze It” or “Card Controls.”
4. Toggle the Freeze: With a simple tap or click, you can instantly activate the Freeze on your card.

Alternatives To Discover Card

There are always some alternatives even to some of the best services in the world, it simply depends upon, demand, convenience, inclusion freedom, and diversity of features offered, below listed are some best alternatives to Discover card;

Target Red Card: This card is famous which offering a rotating category that gives you 5% cash back on up to $1,500 in many of your quarterly purchases but in select categories. Moreover, it offers unlimited 1% cash back on all your other purchases. Like a Discover card, there’s also no annual fee.

Blue Cash Everyday Card from American Express: This popular card also offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) including Target purchases which are categorized as a supermarket. Apart from this it also offers cash back at other spending categories. However, there’s an annual fee for it.

Walmart Rewards Mastercard: This globally known card offers free two-day shipping and free store pickup on a wider range of eligible online orders at Walmart.com and that too with no minimum purchase. I would consider this as a good alternative to a Discover card for frequent and similar shopping at Walmart. There’s also no annual fee for this card.

Amazon Prime Rewards Visa Signature Card: Another globally recognized, offers an annual Prime membership along with unlimited free two-day shipping on a greater range of eligible Amazon purchases. For many frequent Amazon shoppers considering value-free and fast shipping, this could be a good fit. I must mention that there is an annual fee associated with this card.

Also, read How To Cancel Care.Com Membership? 

How To Choose The Best Alternative:

The best alternative mainly depends on your spending habits and priorities. Consider below factors;

• Where you shop often: If you primarily shop at Target then a card with high cash back at supermarkets or a Target-specific rewards program will suit you the best.
• How much you spend: For the high spenders, a card preferably with a higher cashback percentage or rewards rate would suit their needs and could be more rewarding.
• Annual fees: Some of the cards offer higher rewards but have annual fees, so consider that into the overall cost.
• Credit score: Some top-rated cards always require good or excellent credit for approval.

Conclusion

There are numerous options for credit cards and to stay and survive in the competition they are trying to offer some of the exclusive services but soon there comes an alternative. One thing that we as a family do, is that all four adults buy five credit cards keeping in mind that their features are uncommon to each other, and while we shop, we make sure that we can use them smartly and utilize all the offers, rewards, coupons and cashback by sharing among each other.

If you have been struggling to make a decision, I think this trick can help you. I hope this guide has helped you to get the answers to your many questions and has cleared your many doubts. 

Frequently Asked Questions