The Discover Card is a credit card, issued primarily in the United States. It was introduced by Sears in 1985. When launched, the Discover Card charged no annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry. A subsequent innovation was "cash back bonuses" on purchases.

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Discover Financial Services
Discover Financial Services
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  • Have you ever wondered if you could wave a magic wand and get better credit card customer service? You pay your bill on time, you don't max out your card and, all in all, you're the kind of cardholder a credit card company should want to keep. Makes you wonder if there's a phone call you could make to see about leveraging your ideal customer status to your financial advantage. The good news is th...

Discover Financial Services
Discover Financial Services
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  • Warmer weather is right around the corner, and you're just about ready to tackle spring cleaning. In addition to clearing your closets of winter gear, now's the time to clean up your finances. Use these five tips to get a jump on filing, organizing and prioritizing your money matters this spring. 1. Create Files for Your Financial Statements If you're like many Americans, you like to keep an eye o...

Discover Financial Services
Discover Financial Services
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  • Despite expanded credit card use, new forms of digital payments such as Apple Pay and PayPal, and all the talk of a "cashless society," cash remains the most common form of payment [1] for consumers. Of 1,000 consumers recently surveyed by Cardtronics for its 2017 Health of Cash Study [2], 85% said they try to keep cash on hand at all times, and 67% said they feel nervous when they don't have cas...

Discover Financial Services
Discover Financial Services
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  • Establishing credit can be difficult and frustrating. When you don't have a credit history for them to evaluate, credit providers may be reticent to offer you credit. Which leaves you at square one: Finding a way to establish credit. What about prepaid cards that build credit? Do they exist? And are they the right solution for your credit woes? Prepaid Credit Cards vs. Secured Credit Cards Not al...

Discover Financial Services
Discover Financial Services
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  • Interest rates have remained at historical lows for some time, but the Federal Reserve (often referred to as "the Fed") started to reverse that trend in 2017. Here's a look at the Fed and interest rate activity that has taken place so far, what's expected for the future and what it could all mean for your finances. Rates have increased, and more increases are expected. The Federal Reserve has alre...

Discover Financial Services
Discover Financial Services
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  • How to save money in college is a question most students will ask more than once during their time at school. College is a time of discovery, building new connections and personal growth. However, it can also be a time of great stress, particularly when you need to manage your own personal finances. You want to focus on your studies, but that's easier said than done when you're always concerned a...

Discover Financial Services
Discover Financial Services
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  • As the New Year begins, you may be making resolutions or setting goals that include improving your finances. Some 36% of Americans made financial resolutions to kick off 2017, according to a Fidelity survey [1]. If you're focused on finances, improving your credit health may be at the top of your list. Ditching your bad credit card habits could be a big step in the right direction. Bad Credit Car...

Discover Financial Services
Discover Financial Services
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  • There are tons of myths about how to get the best deal when you buy a car, and many of them have to do with "timing" your purchase: What day of the week is best to stroll into a car dealership? Should you wait until the end of the year? The end of the month? A holiday weekend? A rainy day? Can waiting even one day make a huge difference in the price you pay for your next car? The answer is … maybe...

Discover Financial Services
Discover Financial Services
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  • While credit cards have been around for some time, technology and consumer demand always seem to be driving rapid changes in the ways people make payments. Here are four credit card trends to keep an eye out for in the year ahead. Flashier (or Heavier) Card Options As always, issuers are intent on finding new ways to grab the attention of cardholders old and new. Watch for the continued prolifera...

Discover Financial Services
Discover Financial Services
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  • A secured credit line is one that is leveraged — or secured — against an asset, commonly a cash deposit or a home. In the event that a borrower fails to make monthly payments on their credit for an extended period of time, the lender can seize the asset to recoup their losses. Balancing a line of credit against an asset makes secured credit lines less risky for lenders and more accessible for peo...

Discover Financial Services
Discover Financial Services
Blog Post
  • Have you ever pondered the question, “When should I get a credit card?" You don't have to wait to get a credit card until you have a specific need for it. In fact, because part of your credit score is determined by how long you've owned and responsibly managed credit cards, the ideal time to get a credit card may be as soon as you're eligible to do so. If you can answer “yes" to at least one of t...

Discover Financial Services
Discover Financial Services
Blog Post
  • Cryptocurrency has been a popular topic of discussion for several years. However, at the end of 2017, with bitcoin futures [1] trading beginning on the Chicago Board Options Exchange and Chicago Mercantile Exchange, the conversation has seemed to reach a fever pitch. But what is cryptocurrency? And what's behind it's meteoric rise? Cryptocurrency Defined Like money, a cryptocurrency [2] is a mediu...

Discover Financial Services
Discover Financial Services
Blog Post
  • Named after then-Congressman Charles Schumer of New York, the Schumer box is a table that includes the rates, fees, terms, and conditions of a given credit card agreement. It's intended to provide consumers with an easy-to-read tool where they can get important information on their card. Learn about what's contained in a Schumer box today so that you'll be prepared the next time you encounter one....

Discover Financial Services
Discover Financial Services
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