Payments & Transfers: Help With Payments

Can Discover Card help me if I find myself in a difficult financial situation?

Discover Card understands that accidents occur, illnesses strike, and people lose their jobs. If you find yourself in a difficult financial situation, explore the Payment Assistance options available to you or log into the Discover Account Center and fill out the "Request Help with Credit Problems" form in Customer Service. Not registered for the Account Center? Register now for Discover Account Center.

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How far before my due date should I schedule my payment if I use a bill payment service to pay my Discover Card account?

The time it takes a payment to reach us depends on how it is handled by the bill payment service or bank. Some services, for example, process payment requests only once a day or once a week, while others process the requests electronically, but then send paper checks. Processing time may also be affected by weekends and bank holidays. To learn how your bill payment service or bank processes your payment requests, please contact them directly.

A faster way to make sure your payment is credited to your account is to pay online in the Account Center using Make a Payment.

• Same-day payments can be made prior to 5:00 p.m. Eastern Time.
• You can also schedule payments up to your due date.

Payment Posting Information

• Payments can be made every three days
• Payments submitted before 5:00 p.m. Eastern Time with a payment posting date of today will be posted to your account today
• After 5:00 p.m. Eastern Time, payments cannot be submitted with a posting date of that same day
• Payments scheduled for the future will post on date selected
• Online payments scheduled, but not yet posted, can be canceled online up until 5:00 p.m. Eastern Time on the Payment Posting Date and will not post to your account
• Phone payments scheduled, but not yet posted, can be canceled online up until 5:30 p.m. Eastern Time on the Payment Posting Date and will not post to your account

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Will I be late if I submit an online payment on the due date?

You will not be late if you submit your online payment before 5:00 p.m. Eastern Time the date it is due. However, if your payment is after 5:00 p.m. Eastern Time, then you may be subjected to late fees. See Payment Posting Information above to learn more. For assistance, call Customer Service at 1-800-DISCOVER (1-800-347-2683).

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Where should I mail my payment?

Mail your payment to us at:
Discover Card Services
P.O. Box 15251
Wilmington, DE 19886-5251

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