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Credit Card Fraud
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CREDIT CARD FRAUD

Get answers if fraud ever happens to your Discover account.

Call 1-866-240-7938
Published November 3, 2022
4 min read
Using your credit card


WHAT IS AN UNAUTHORIZED PURCHASE?

An “unauthorized purchase” is the use of your credit card or card account
information by a third party, such as for a charge, purchase or other card
transaction where you have not given access to your card information to any
other person or business for one time or repeated use, such as a merchant,
employee, relative or friend. Please use reasonable care to protect your card,
account numbers and personal identification numbers, including in places where
your card information may be stored for others to access or use. 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. We will then open an
investigation to determine if the transactions were unauthorized.


I SEE A TRANSACTION I DON’T RECOGNIZE. WHAT SHOULD I DO?

First, check with any secondary cardmember or authorized user who might share
your account, to see if they recognize the transaction. To help you identify a
charge, you can also view more details online by clicking on the transaction in
your Account Activity section.

If you suspect that a transaction is fraudulent, please call us right away at
1-866-240-7938. Or, you can contact Customer Service online or initiate a
dispute.


AM I RESPONSIBLE FOR UNAUTHORIZED PURCHASES?

No. All Discover cardmembers are protected with our $0 Fraud Liability
Guarantee, which means you’re never responsible for unauthorized purchases on
your Discover Card account.1 If you spot a purchase you don’t recognize, first
check with any secondary cardmember or authorized user who might share your
account, to see if they recognize the transaction. If the transaction is not
recognized, please contact us immediately.


HOW DOES FRAUD OCCUR?

Credit card fraud happens several different ways, most commonly with your card
information being compromised in a data breach or your physical card being
stolen. Unauthorized purchases are purchases on your credit card or card account
information by a third party, such as for a charge, purchase or other
transaction where you have not given access to your card information to any
other person or business for one time or repeated use, such as a merchant,
employee, relative or friend.

Credit card fraud is a serious crime that is punishable by law. We frequently
work with local, state and federal authorities to help bring these criminals to
justice.


HOW DOES DISCOVER HANDLE FRAUD?

If fraud is suspected, Discover will immediately close your account to help
protect your information and prevent any further unauthorized use. A member of
our U.S.-based Fraud Team will open an investigation into the questionable
transactions on your account. We ask you to please destroy all cards, personal
identification numbers (PINs), and checks if you have any, associated with your
Discover account. We will be transferring all of your account history, including
your cashback bonus over to a new account. We’ll also send a replacement card
with new account information and credit your account for the amount of the
questionable transaction(s). All unauthorized transactions will be removed from
your account pending the outcome of the investigation.


IF MY CARD IS BEING REPLACED BECAUSE OF FRAUD, CAN I STILL USE IT UNTIL THE NEW
ONE ARRIVES?

No. To help protect your information and prevent further unauthorized use of
your account, we immediately deactivate your card and close your account. You
will receive a replacement card with a new account number within 3-7 business
days.


WHY DO I STILL SEE THE QUESTIONABLE TRANSACTION(S) ON MY STATEMENT?

The transaction(s) in question and any related fees will be credited right back
to your account within 10 days.

If you’re unsure whether a transaction was refunded, you can also contact your
Fraud Specialist.


I HAVE A PENDING FRAUD INVESTIGATION—HOW LONG WILL IT TAKE?

A fraud investigation can take up to 90 days and we’ll notify you once it’s
complete. In the meantime, we might contact you for additional information, if
needed.


HOW DO I CONTACT A FRAUD SPECIALIST?

You can contact a Discover representative at 1-866-240-7938.

For questions related to an open fraud investigation, please call 1-800-347-7466
to speak with a member of our Fraud Team.

Important information


WE HELP DETECT AND RESOLVE IDENTITY THEFT

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$0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not
given access to your card information to another person or a merchant for
one-time or repeated charges. Please use reasonable care to protect your card
and do not share it with employees, relatives, or friends. Learn more at
Discover.com/fraudFAQ.



Legal Disclaimer: This site is for educational purposes and is not a substitute
for professional advice. 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. It does not guarantee that Discover offers or
endorses a product or service. For specific advice about your unique
circumstances, you may wish to consult a qualified professional.



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