Discover Bank • Credit Scores and the Price You Pay for Credit

Your credit score is not available from Experian Information Solutions, Inc., which is a consumer reporting agency,
Your credit score
because they may not have enough information about your credit history to calculate a score.

A credit score is a number that reflects the information in a credit report.

What you should
A credit report is a record of your credit history. It includes information about whether you pay your bills on time and
know about credit
how much you owe to creditors.
scores
A credit score can change depending on how a consumer's credit history changes.

Credit scores are important because consumers who have higher credit scores generally will get more favorable
Why credit scores credit terms.
are important
Not having a credit score can affect whether you can get a loan and how much you will have to pay for that loan.

You have a right to dispute any inaccurate information in your credit report. If you find mistakes in your credit
What if there are
report, contact the consumer reporting agency.
mistakes in your
credit report?
It is a good idea to check your credit report to make sure the information it contains is accurate.

Under Federal law, you have the right to obtain a free copy of your credit report from each of the nationwide
consumer reporting agencies once a year.

To order your free annual credit report:

By telephone: Call toll free 1-877-322-8228

How can you obtain
On the web: Visit www.annualcreditreport.com
a copy of your
Credit Report?
By mail: Mail your completed Annual Credit Report Request Form
(which you can obtain from the Federal Trade Commission’s website at
http://www.ftc.gov/bcp/online/include/requestformfinal.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

How can you get For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection
more information? Bureau's website at www.consumerfinance.gov/learnmore.
 PRICING SCHEDULE
Interest Rates and Interest Charges
Annual Percentage Intro APR until the last day of your billing period ending during 02/2025.
Rate (APR) for
0.00%
Purchases
After the intro APR expires, your APR will be 28.24%. This APR will vary with
the market based on the Prime Rate.

APR for Balance Offer #1 0.00% intro APR for 15 months from date of first transfer, for transfers that post to
Transfers your account by 01/10/2024.††

After the intro APR expires, your APR will be 28.24%. This APR will vary with the
market based on the Prime Rate.

APR for Cash 29.99% This APR will vary with the market based on the Prime Rate.
Advances

Penalty APR and None

When It Applies

Paying Interest Your due date is at least 25 days after the close of each billing period (at least 23 days for
billing periods that begin in February). We will not charge you any interest on purchases if you
pay your entire balance by the due date each month. We will begin charging interest on cash
advances and balance transfers as of the later of the transaction date or the first day of the
billing period in which the transaction posted to your Account.

Minimum Interest If you are charged interest, the charge will be no less than $0.50.
Charge

For Credit Card Tips To learn more about factors to consider when applying for or using a credit card, visit the
from the Consumer website of the Consumer Financial Protection Bureau at
Financial Protection http://www.consumerfinance.gov/learnmore
Bureau

Fees
Set-up and
Maintenance Fees
• Annual Fee None

Transaction Fees
• Balance Transfer Offer #1 Intro fee of 3% of the amount of each transfer for transfers that post to your
account by 01/10/2024 with the 0.00% intro APR balance transfer offer described
above. After that, 5% of the amount of each transfer.
• Cash Advance Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees
• Late Payment None the first time you pay late. After that, up to $41.

• Returned Payment Up to $41

How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions )." See
your Cardmember Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your
Cardmember Agreement.
†† See the terms of the applicable balance transfer offer for details.
CONTINUED ON REVERSE SIDE
 Additional Interest Rate Information
Annual Daily
Expiration
Rate Plan¹ Percentage Periodic
Date²
Rate Rate
Purchases V=PRIME+19.74% 28.24% 0.07737%
Cash Advances V=PRIME+21.74% 29.99% 0.08216%
Intro Purchase Rate 0.00% 0.00000% 02/2025
Intro BT Offer 1 0.00% 0.00000% 15 months4
¹ V=Variable rate. Variable rates are as of September 29, 2023, and will vary with the market based on the Prime Rate.
² Expiration dates are the last day of the billing period ending during the month indicated.
4 From date of first transfer, for transfers under this offer that post to your account by 01/10/2024.