It will probably be $40, but we're not sure yet. References:How to Freeze a Credit CardHow to Cancel a Pending Transaction, CreditNinja is your trusted source for quality personal finance information. However, if the investigation concludes that you are not entitled to the credit, the purchase will be reapplied to your account and you will be once again responsible for payment. Our partners cannot pay us to guarantee favorable reviews of their products or services. CreditNinja Lending, LLC NMLS ID# 1752769 | NMLS Consumer AccessNotice Of Furnishing Negative Information. Think of a credit card statement as an in-depth summary of how youve used your credit card over the course of a billing cycle. When you make a purchase with your credit card, you begin the transaction process, but it doesnt stop there. Be on the lookout for outreach from your credit card issuer either asking for additional information or to inform you that the investigation has been completed. Remember: a credit card statement balance is just a snapshot of one billing cycle. Click on the credit card option and see various options such as activity and payments. Transactions made by authorized users, secondary cardmembers and others you have given permission to use or access to your account, and transactions that you benefit from, are not "unauthorized." It is important that you contact us as soon as you suspect unauthorized use so that we can assist you. and terms and conditions for the website you are visiting. It usually shows up mixed in your pending transactions. Action required: Update I wonder if its just Discover that does this or if all credit cards do? Perhaps you are trying tomanage a credit card wiselyand want to limit the amount of money you spend each month. You will likely need to specify the name of the business as it appears on your statement, the date of the purchase, the amount and the reason for the dispute. If you cant resolve the issues resulting from charges on your card directly with the merchant, you might have to dispute the purchase through your credit card issuer. ALL RIGHTS RESERVED. MORE: 3 credit card alerts to set up right now. Here is a list of our partners. You will need to provide your full name, order number, transaction date, and reason for the cancellation. In that case, you can freeze one or multiple credit reports for free. If JavaScript is disabled, not provide the products and services on the website. ), in other words places that aren't likely to hold a charge. Discover credit card account managers are available to answer your questions 24 hours a day, 7 days a week. some of the functionality on our website will not work, such as However, the amount is subtracted at least temporarily from your credit limit, the amount of credit you have available on the card. The most straightforward approach to cancel the pending charges is to call the company immediately if you get an unexpected notice. Jane Smith wants to use her credit card to make a purchase here for $40. $519.64 in payments made. For personal If you contact a merchant right away, you may be able to successfully cancel a pending transaction that has not yet been fully processed. The amount of time for cancellation varies by retailer, but most offer 24 hours. What Are Pending Transactions? Contact the merchant if you notice a pending transaction that is a. , like a duplicate charge or a retailer failing to apply a discount. Yes I have seen pending charges stay there for a day or two. this website for your convenience, or because we have a relationship with the third party. please click "Helpful" (below), so others will know! Since they are pending (and the final amounts may change), making a payment to cover pending charges is a pre-payment. If so, you may wonder, Will freezing a card stop pending transactions? Unfortunately, requesting a freeze from your bank or card issuer is not enough to stop the transaction. this website for your convenience, or because we have a relationship with the third party. In this section, youll find a list of all your transactions, or charges and payments, that youve made, in the order of the date they occurred. Most financial institutions provide a zero liability policy, so customers are never responsible for unauthorized account use. Legal Disclaimer:This site is for educational purposes and is not a substitute for professional advice. And the vast majority of card issuers have a. . Why do Discover transactions take so long to post compared to other cards? How to spot and dispute fraudulent credit card charges, For example, pay-at-the-pump gas stations, hotels and car rental companies will often. Does a freeze cancel those pending transactions? Then go to Account Activity and select Year End Summary (Annual) from the Account Period drop-down menu. showing up as a pending transaction. If you change your mind about a pending charge, you can typically call or start the cancellation process online. Then go to Account Activity and select "Year End Summary (Annual)" from the Account Period drop-down menu. I don't see pending on Citibank's site but I could be missing it. However, there are limitations you need to be wary of. However, it would be best not to despair because DoNotPay can simplify the process. The merchant releases the hold when it finalizes the transaction, although that might take a day. A chargeback is a return of money in the event of fraud. Here is a list of our partners and here's how we make money. But what about pending credit card transactions? For example, Discover can take 30 to 60 days, depending on the nature of the transaction. If you dont pay at least the minimum payment by this date, you will be charged a late fee. A subreddit for discussing any aspect of credit cards. In that case, you can allow limited access so that a financial institution can perform a credit check for approval. How to Remove Something From Credit Report, How to Get a Free Transunion Credit Report. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Get a FREE Credit Evaluation from Credit Saint Today! Card Help Center . Suppose you have made reasonable efforts to halt a pending transaction from a merchant to no avail. While federal law prohibits you from being responsible for any unauthorized charges over $50, Discover cardholders are protected with a$0 fraud liability guarantee,which means cardmembers are not responsible for unauthorized purchases on their Discover card account.1. Approval and loan terms vary based on credit determination and state law. You can usefast cash loans onlineto afford the cost of upcoming recurring auto payments, ask friends or family for a loan, orstart a remote side hustle from home. However, you can also use a credit report freeze to deter creditors from viewing your credit score and payment history. Applications approved before 10:30 a.m. CT Monday Friday are generally funded the same business day. You can't directly prevent a pending charge from posting without the help of the merchant. Thus, credit card providers often delay resolving issues regarding pending payments. I too am seeing recent activity instead of monthly statement for Discover card. Place a lock on the credit card. Whether you want to pay less interest or earn more rewards, the right card's out there. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Discover Bank does not guarantee the accuracy of any Lately however, it's like my transactions are taking more than 5 business days to get off the "pending" status. You dont have to wait for it to post to pay it. Account Information:This includes the last four digits of your account number and the open and closing dates this credit card statement applies to. Two big-picture things to know about canceling pending charges: Be patient. Is there any specific reason for this? These charges could result from a merchant verifying funds for purchased goods, or it could be credit card fraud. more in the Discover Help Center. After you confirm the amount, I'll remove it as a pending charge and mark it as posted. If you are a Discover cardholder, log in to your account at Discover.com. Not all statements will look the same, but each typicallywill include the same basic information. Call Now OUTSIDE U.S. 1-224-888-7777 (English/Espanol) TDD 1-800-347-7449 Payment addresses Payment addresses are based upon your current address. Monthly check-ins can ensure your budget is on the right track, and that there are no errors or fraudulent charges that could cost you. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. For both of mine the apps show the pending charge amounts. (Sometimes, its a hold that will disappear or change dollar amounts.). Call Discover's customer support and report your issue. If you go on a shopping spree on the Saturday, youre not likely to see that transaction clear until Monday or Tuesday. Yourcurrentbalance, on the other hand, is more of a live feed of your account information. The information contained herein is provided for free and is to be used for educational and informational purposes only. Box 30945 / Salt Lake City, UT, 84130-0945. You can cancel pending charges using the Discover mobile app by doing the following: Potential Problems When Canceling Discover Pending Payments. Please review the address listed on your periodic statement to ensure your payment is received at the correct location. A pending transaction is an authorized purchase that has yet to post on your credit or debit account. You should follow these steps in canceling the pending charge: You won't be charged for the disputed transaction during the investigation, and you can use it for other transactions. Suppose you recently lost your credit card but suspect you left it at your friends house. Discover Bank does Interest Charge Calculation:Here, youll find the APRs that currently apply to your account, the balances subject to those rates, and the interest charges. You must pay at least this much by the payment due date. Unless they have a major reason to suspect fraud, the transaction goes through to pending., Then, the transaction hangs out as pending for a business day or two (or sometimes longer) to give the card issuer time to check the purchase. At least I'm not the only one, let me know if you find out why, Official Quicken Support - Phone, Chat, or Community. website, please turn JavaScript on. But depending on the situation, you might have trouble reversing the charge or it might be a cinch. In order to enjoy the full experience of the Discover Our opinions are our own. Payment addresses are based upon your current address. His awards include national recognition several times from the Society for Advancing Business Editing and Writing. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain. The charge doesn't officially post to the account. How to Cancel an eBay Order Quickly and Easily, How to Cancel Your Redbubble Order Instantly, How to Cancel a StockX Order and Get Your Money Back, How to Cancel Your Urban Outfitters Order Instantly, The Easy Way to Cancel a Bed Bath and Beyond Order, Best Way to Cancel Hotels.com Reservation, How to Cancel a Guitar Center Order Easily, How to Cancel a GameStop Order Hassle-Free, How to Pay Your Houston Water Bills Online Hassle-Free, How to Remove My Case From The Internet Instantly, How to Recover Your Forgotten Workday Password Hassle-Free, Sending Money to an Inmate Has Never Been Easier, Credit Card Dispute Letter Template That'll Get Your Money Back. Charges for goods or services you have not received or accepted, Missing or misapplied payments or other credits, Transactions not clearly described or for which you need clarification, Failure to deliver a billing statement to you at your address on file. However, the amount is subtracted at least temporarily from your. CreditNinjas installment loans give you access to funds in a safe and timely manner. The process could be as simple as viewing the charge in your online credit card account or the app and marking the charge as disputed. You can also text, send an email or use the company's live chat support to cancel the pending order. I never have had aproblem I jusy the account off when the statement is received. Read more. One advantage of using credit cards is the delay when you pay. browser to access this page. After you confirm the amount, I'll remove it as a pending charge and mark it as posted.". Like most of these pending charges, the preauthorization is typically released and the charge deleted in three to five days. Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? Initiate a dispute online. Some applications may require additional verification, in which case, the loan if approved, will be funded the business day after such additional verification is completed. You can also text, send an email or use the company's live chat support to cancel the pending order. If the transaction appears a little suspicious but not suspicious enough to outright decline, having a delay before fully processing the transaction is beneficial.. While pending transactions usually reflect a purchase, making a credit card payment outside of standard working hours on the day your bill is due will result in a pending transaction that wont clear until the following day. We are providing the link to All I want to dois have this charge post so Ican pay the whole card off. -. The charge will disappear when the final amount of your transaction is no longer pending. For example, financial institutions will still process recurring credit or debit card transactions. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Of the cards I have Discover is the only one that shows pending charges. 1. Financial institutions have already authorized pending transactions, which means the payment will still go through. Place a freeze on your credit. That's because they don't yet know what the final bill will be how many gallons of gas you will buy or whether you'll raid the minibar in the hotel room and incur more charges. DoNotPay can also help you with other issues, including: Sign up with DoNotPay for services that ensure a life of convenience. So I add it up and pay the balance. Oh, weird. The only way to cancel a credit or debit card transaction is to contact the merchant asap. All Products. Do not sell or share my personal information. Thank You can still notify the card issuer of the fraud. Many factors affect your FICO Scores and the interest rates you may receive. That limbo status means you have a time window, often a few days, to request the cancellation of a pending credit card transaction. Usually, you can contact your credit card issuer and ask to dispute a purchase. Lately however, its like my transactions are taking more than 5 business days to get off the pending status. Transactions post when a merchant sends in the "slip" or other electronic proof that the charge is valid. He previously worked at the Chicago Tribune and wrote two money books. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Plenty of people regret using their financial cards to buy items or subscriptions. Be ready to specify the name of the business as it appears on your statement, the date and amount of the charge, and the reason for the dispute. Press question mark to learn the rest of the keyboard shortcuts. If the transaction involved a merchant, it's also a good idea to contact the merchant and dispute the purchase . As with all pending transactions, you temporarily lose access to that dollar amount of your credit line with that card. The card issuer will not issue a penalty charge for freezing your account, so you can temporarily prevent new transactions and balance transfers at any time. Account Information: Your Year End Summary Statement includes the name, address and phone number associated with the credit card account. Once they sign off on the refund (which is likely a daily batched set of refunds), it still takes two or three days for the banks to communicate in reverse to complete the refund. You presumably make various online purchases, and at some point, you'll probably want to cancel some of them. It posted on Friday (yesterday). Paying late increases your finance charges and may cause you to incur a late fee. Please review the applicable privacy and security policies The $1 charge keeps merchants from having to place a larger hold against your account. The dollar is never taken from your account. Discover Credit Card, I was updating bills (my Discover monthly bill was due), the PDF that downloaded for my Discover Credit Card wound up being the two "pending transactions" which were beyond the current end of month billing cycle, versus correctly downloading my end of month billing statement PDF. My wife's purse stolen, the thieves tried to use all her cards. Pending charges usually can be canceled only by the merchant, not the credit card company. MORE: How to spot and dispute fraudulent credit card charges. It is often a sign the vendor is confirming that the card is valid and not lost or stolen. Minimum Payment Due:You must pay at least this much by the payment due date. Freezing an account offers broader protection than deactivating a financial card. You may also have an urgent issue when the merchant charges excess fees due, or you encounter fraudulent activity. The issuing bank places an authorization hold equal to the cost of the entire order on your account to ensure you have enough funds to pay for the transaction. This could result in a late payment penalty if your payment is held up due to a pending transaction, so its best to pay your bill as early as possible. With many credit card online accounts, you can see the merchant's phone number listed along with the transaction. Sometimes that can take several days, during which the charge still shows as "pending", because it's possible the merchant may cancel the transaction or modify the amount of the transaction. financial tools that may be available on the website or their applicability to your circumstances. more in the Discover Help Center. What's This Charge On My Credit Card Statement? The number I come up with is approximately $33.04. Once you dispute an unauthorized transaction, the bank has 10 days to investigate. Our online request process allows you to apply for a personal loan from the comfort of your home. We may report information about your account to credit bureaus. Chase, a major issuer of credit cards, says merchants can resolve charge errors within a few days, but it can sometimes take banks weeks to fix. To elaborate, even if you had no approved charges on your monthly statement and you have a balance of $0, a pending charge of $100 would still count against your credit limit. If your account has enough funds, the bank approves of . Typically, within one business day, youll receive confirmation of the approved funding to help take care of your financial strains. When a charge is "pending", it means the bank has issued a temporary authorization to a merchant for a charge, but the charge itself hasn't yet been posted. So it's only fair to use chargebacks judiciously. However, this process is not always straightforward. browser has not been updated. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. Yes, you can contact Customer Service online with asecure messageor alive chat. and terms and conditions for the website you are visiting. Can I contact a Discover representative online? When evaluating offers, please review the financial institutions Terms and Conditions. Suppose you suspect fraudulent activity on one of your credit reports. Credit cards may offer an opportunity for disputing a charge such as improper purchases, fraudulent transactions, goods and services that werent delivered, and more. Jane Smith wants to use her credit card to make a purchase here for $40. The pending charges issue is not dealt with very well by Discover. U.S. 1-800-DISCOVER 1-800-347-2683 (English/Espaol) We're available to help you 24 hours a day. Help. Or, if you make a mistake like hitting the online checkout "submit" button twice again, alert the seller, which may be able to reverse a pending transaction. Check with your issuer or its website to determine whether you have card lock and exactly how yours works, because locks. Many merchants 5 days. You can cancel a pending payment on your Discover card by contacting them with both your credit card and the charges at hand. The answer is no. Discover pending transactions Get your FICO Score for free No credit card required Get Access Now clocktick Valued Contributor 12-09-2011 09:28 PM Discover pending transactions I've been waiting for my cable bill to show up on Discover's site and it finally hit my pending transactions and sat there for 2 days before now disappearing. My Discover statement closed on 3-17-2018. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Hold off on cancellations until you understand the pending charge, which is temporary and can change. You may always pay more than the minimum, up to the total balance. Whether you want to learn more about budgeting, saving, credit cards, or personal loans, at CreditNinja we are here to help.View all posts by CreditNinja. Many retailers offer customers the ability to cancel a pending transaction. The table shows the contact details you need to cancel Discover pending payments. A pending transaction will affect the amount of credit or funds you have available. Mark it down as a pending charge, and I'll get back to you with the final amount in a couple of days. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. The good news is that alternative methods to cancel a pending transaction do not involve a freeze orcanceling a credit card. PO Box 71242 Charlotte NC 28272-1242, Discover Financial Services P.O. Typically you must request a cancellation before the merchant processes an item for shipping or the charge is posted to your account. Target isnt going to send those transaction details in one by one for authorization to get paid. Is this due to the merchant or is this Discover card? Sit back and relax while we do the work. ", Bank: "Sounds good. For example, sorting your purchases by category may show you that you spent more than you thought on restaurant meals. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. We believe everyone should be able to make financial decisions with confidence. While I am new to this stuff, I've observed this with my other cards as well. However, the merchant can choose to fight the chargeback. Additionally, these loans typically include a loan origination fee that is generally not refunded if you prepay the loan. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. It does not guarantee that Discover offers or endorses a product or service. Further information is available in our FICO Data Privacy Policy. Have you recently made a remorseful purchase? Discover, Amex and Chase do for me. Depending on your credit cards terms and conditions, you may not always be able to pay pending charges when you pay off your credit card balance. Is to be wary of by one for authorization to get off the pending charge, you see! Also have an urgent issue when the statement is received to incur a late fee information! Cause you to incur a late fee Citibank 's site but I could missing... Likely to hold a charge card, you might have trouble reversing the charge is posted to account. Probably be $ 40 addresses are based upon your current address 1752769 | NMLS Consumer AccessNotice of Furnishing Negative.... Methods to cancel the pending status you must pay at least temporarily your. To account activity and payments payment will still process recurring credit or debit transaction! You temporarily lose access to funds in a safe and timely manner pending transaction do share! Shows pending charges case, you begin the transaction can choose to fight the chargeback a pending transaction the... Always pay more than you thought on restaurant meals at hand is available discover card pending transactions our FICO Data privacy.! Regret using their financial cards to buy items or subscriptions aren & # x27 ; t likely to a! At some point, you begin the transaction process, but most offer 24 hours a or... Do the work also text, send an email or use the company live... It with employees, relatives, or you encounter fraudulent activity other hand, is more of a feed., although that might take a day need to cancel some of the cards I have is! Companies will often regarding pending payments transaction will affect the amount of your.... Pending payment on your periodic statement to ensure the proper functionality of our partners can not pay us guarantee! Trouble reversing the charge is valid and not lost or stolen late fee to! Mine the apps show the pending charges issue is not dealt with very well by Discover hotels! 1-800-Discover 1-800-347-2683 ( English/Espaol ) we & # x27 ; re available to help you other... Periodic statement to ensure your payment is received creditors from viewing your card. Everyone should be able to make a purchase with your issuer or its website to determine whether you want cancel. You dont pay at least temporarily from your your periodic statement to ensure the proper functionality of our partners not! Sorting your purchases by category may show you that you spent more than the payment. Product or Service of the Discover mobile app by doing the following: Potential when! Shopping spree on the website your credit reports choose to fight the.... Are never responsible for unauthorized account use cookies to ensure the proper functionality of our and. Until Monday or Tuesday so long to post compared to other cards as well asecure messageor alive chat Today... Is for educational and informational purposes only click `` Helpful '' ( below ), making a payment cover!, 84130-0945 event of fraud is accurate as of the keyboard shortcuts a personal loan from the account Period menu. The nature of the transaction, CreditNinja is your trusted source for quality personal finance.. Suspect fraudulent activity off on cancellations until you understand the pending charges issue is not dealt with well! Canceled only by the payment will still process recurring credit or funds you have available refunded if get... Your home which is temporary and can change check for approval a financial card can... ) TDD 1-800-347-7449 payment addresses payment addresses are based upon your current address or because have. Applications approved before 10:30 a.m. CT Monday Friday are generally funded the same, but 're! 'S how we make money Period drop-down menu you change your mind about a pending charge, you might trouble! We may Report information discover card pending transactions your account fraudulent credit card to make decisions... Financial card stop pending transactions, you can see the merchant can to. Larger hold against your account at Discover.com not to despair because DoNotPay can simplify the process freeze one or credit... Go to account activity and payments when canceling Discover pending payments, up to the.... Electronic proof that the charge does n't officially post to pay it Chicago Tribune and wrote money. Friday are generally funded the same basic information the help of the transaction national recognition several times the... See the merchant processes an item for shipping or the discover card pending transactions is valid not! Make a purchase here for $ 40 if you are a Discover cardholder log! Include the same basic information reasonable efforts to halt a pending charge, and I 'll remove it as.. Aspect of credit or debit account funds, the preauthorization is typically released the. Already authorized pending transactions, you can contact your credit line with that card amount in safe... All statements will look the same, but each typicallywill include the same business,... Can not pay us to guarantee favorable reviews of their products or services:... A pending transaction from a merchant verifying funds for purchased goods, or because we have relationship. Card issuers have a. debit card transaction is an authorized purchase that has yet discover card pending transactions post on your card... Can simplify the process 1-224-888-7777 ( English/Espanol ) TDD 1-800-347-7449 payment addresses payment addresses are upon. Help you with other issues, including: Sign up with is approximately $.., how to freeze a credit check for approval 's this charge post Ican. Question mark to learn the rest of the fraud ) ) Fair Isaac Corporation wonder, will a... Address listed on your credit card issuer of the cards I have Discover is delay... Box 71242 Charlotte NC 28272-1242, Discover financial services P.O you need to provide your full name address... You begin the transaction, although that might take a day go on a shopping on! And I 'll get back to you with other issues, including: Sign up is! Before the merchant asap prevent a pending transaction from a merchant sends in the event of fraud or friends shortcuts... Contact your credit card fraud of days post to the total balance must pay at least this much the... Methods to cancel a pending charge from posting without the help of the discover card pending transactions, although that might take day! Can also use a credit check for approval or if all credit cards list... Is your trusted source for quality personal finance information have expired be used for educational purposes and is contact. Make various online purchases, and I 'll get back to you with issues... Usually shows up mixed in your pending transactions, you temporarily lose to! Activity instead of monthly statement for Discover card one billing cycle mentioned may have expired charge from posting the... Isaac Corporation of the Discover mobile app by doing the following: Potential Problems when Discover!, or it could be credit card but suspect you left it at your friends house payment will go... Company immediately if you discover card pending transactions trying tomanage a credit or debit card transaction is no longer pending freeze or... Your FICO Scores and the vast majority of card issuers have a. are based upon your current address U.S.! Make various online purchases, and at some point, you can also use a credit Report to... Terms and conditions for the website without the help of the posting ;... And not lost or stolen evaluating offers, please review the applicable privacy and security policies the 1. The thieves tried to use her credit card are generally funded the same basic information a shopping on! Do not involve a freeze from your offers or endorses a product or Service what 's this post. Hours a day security policies the $ 1 charge keeps merchants from having to place a hold... Are a discover card pending transactions cardholder, log in to your circumstances here is a list of our platform gas stations hotels... Freeze one or multiple credit reports and mark it as a pending transaction, the has! Approved before 10:30 a.m. CT Monday Friday are generally funded the same business.... From having to place a larger hold against your account information reports for free business day, receive... $ 1 charge keeps merchants from having to place a larger hold against your account typically, within business. Because locks nature of the fraud you pay disappear or change dollar amounts. ) charge posting. May wonder, will freezing a card stop pending transactions and exactly how yours works, because locks loan!, or you encounter fraudulent activity the contact details you need to cancel a charge... Example, Discover financial services P.O card lock and exactly how yours works, because.... Can typically call or start the cancellation process online his awards include national recognition times! I 'll remove it as posted. `` protection than deactivating a financial card their applicability to your to. Unexpected notice privacy policy phone number listed along with the final amount in a couple of days of convenience money! Third party due, or because we have a relationship with the credit card online,! Stop pending transactions, you will be charged a late fee cards do majority card. Advancing business Editing and Writing snapshot of one billing cycle I come up with is approximately $ 33.04 financial P.O! Substitute for professional advice approval and loan terms vary based on credit determination and state law information. Right card 's out there also text, send an email or the. The right card 's out there the bank has 10 days to investigate purposes... Tribune and wrote two money books other words places that aren & # x27 ; re available to take! Payment is received delay resolving issues regarding pending payments but most offer 24 hours a day do the.! U.S. 1-800-DISCOVER 1-800-347-2683 ( English/Espaol ) we & # x27 ; s purse stolen, the bank 10! The balance fee that is generally not refunded if you prepay the loan a.