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Discover More(SM) Card

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners. *View Discover® Card Rates, Fees, Rewards and Other Important Information.
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DID YOU KNOW?

	If you have a number of outstanding loans and credit card dues, the only thing that can save you from bankruptcy is a debt consolidation loan. Bankruptcy stays on your credit score for several years and you will find it difficult to obtain a fresh loan during all these years. Therefore, it is a wise thing to avoid bankruptcy. A debt consolidation loan is a new loan that you take out to repay your existing loans. A debt consolidation loan is usually a secured loan whereas credit card dues and other personal loans are usually unsecured loans. Therefore, it is advisable to replace your high rate loans by a low rate debt consolidation loan. There are several advantages of debt consolidation loans: · It is easy to manage a single loan since you have to repay the loan to only one lender. · The rate of interest on a debt consolidation loan is lower than that on unsecured personal loans and credit card dues. · Since the rate of interest on a debt consolidation loan is low, the amount of monthly installments is also small. · You can get tax benefits on the interest that you pay on a debt consolidation loan. Besides the above mentioned advantages, debt consolidation loans also have a few disadvantages: · The loan period of a debt consolidation loan is longer than the loan periods of unsecured loans and therefore, you end up paying a larger amount of interest. · Debt consolidation loans are usually secured against property. If you default in the repayment of a debt consolidation loan, your property may be repossessed by the lender. There are different types of debt consolidation loans. If you are a homeowner, you can use your house to avail a debt consolidation loan. Since such a loan is a secured loan, it carries a low rate of interest. If your house is already mortgaged, you can get a home equity loan to consolidate your debt. Home equity is the value of your house minus the unpaid mortgage balance. You can also obtain a personal debt consolidation loan. However, the high rate of interest on an unsecured personal loan may defeat the very purpose of debt consolidation. For More Info on Debt Consolidation Loans you can visit http://www.easy-debt-consolidation-loan.co.uk

Are you aware of how many ways there are for thieves to take access of your credit card accounts and make unauthorised charges against your account? Simply by rummaging through old receipts that you have thrown out or left somewhere public, or by a shop assistant quickly scribbling down your card details while they are out of your sight, or by an untrustworthy seller who you give your details to on the phone, by mail or on the internet, your private account details can be taken and abused by anyone.

While most of these situations are quite rare, and there are safety measures in place to avoid the abuses they highlight, it is a fact that credit card fraud and identity theft is a growing problem that is costing the financial services industry more and more each year. Therefore it is important to be aware of the potential dangers and be familiar with a few simple steps you can take to reduce the risk that you will become the victim of identity theft.

Take The Right Steps

One of the simplest steps you can take is to sign all your cards on the signature strip on the back as soon as they arrive. You can also consider carrying your cards separately from your wallet and driver’s licence so that if someone were to find them, they wouldn’t necessarily have your identity and address. Keep your pin numbers etc. somewhere safe and never with your cards. If it is possible, the safest thing to do is to memorise and then destroy pin numbers.

If your card is out of sight during a transaction try to see what is going on behind the counter and seek to get it back as soon as possible. While still relatively rare, there is a lot of information on your card, which can be copied and used later on. You should destroy receipts if you do not need them. You should also check carefully all your monthly statements and make sure that all charges were in fact made by you. IF you have any doubts, contact your card issuer immediately to sort it out.

Do’s and Don’ts

Never leave your cards lying around where others can get access to them and don’t lend your card to anyone. Don’t sign blank receipts and never give your account details over the phone, by mail or on the Internet unless you are sure you are dealing with a company that you know and can trust.

If you do suspect fraud, or if you lose your cards, report it immediately to your card issuer. By following these simple steps you should be able to considerably reduce the risks of card fraud being perpetrated against you.