Discover More Statement
® ®
Account Number Ending : 6011
Open Date: Dec 31, 2020- Close Date: Jan 30, 2021
Cardmember Since 2021
Page 1 of 6
ACCOUNT SUMMARY PAYMENT INFORMATION
Previous Balance $2,820.06 New Balance $2,752.82
Payments and Credits - $100.00 Minimum Payment Due $56.00
Purchases + $0.00 Payment Due Date Jan 1, 21
Balance Transfers + $0.00
Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00 and your
+ purchase and balance transfer APRs for new transactions may be increased up to
Interest Charged $32.76
the Penalty APR of 19.24% variable.
New Balance $2,752.82
Minimum Payment Warning: If you make only the minimum payment each
See Interest Charge Calculation section following the period, you will pay more in interest and it will take you longer to pay off your
Transactions section for detailed APR information balance. For example:
Credit Line $15,400
Credit Line Available $12,647
Cash Advance Credit Line $5,800 Only the minimum payment 10 years $4,893
Cash Advance Credit Line Available $5,800 $94 3 years $3,399
(Savings= $1,494)
You may be able to avoid interest on Purchases.
See reverse for details. If you would like information about credit counseling services, call 1-800-347-1121.
REWARDS
815 Cashback Bonus®
Opening Balance $
Anniversary Month
Jan
10.91
Your FICO® Credit Score on 01/01/21.
New Cashback Bonus This Period +$ 0.00
Track recent scores on your FICO® page in this statement. Redeemed This Period - $ 0.00
Cashback Bonus Balance $ 10.91
To learn more, log in at [Link]
Make Check payable to Discover.
Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
4214
$56.00
$2,752.82
Jan 30, 2021
AHMED MOFFAT
1714 TAMARACK DR
WYLIE, TX 75098
(972)503-6930
PO BOX 742655
NORTH LITTLE ROCK, AR 72114
Phone and Internet payments must be received by 5PM ET to be credited as of the same day.
Address, e-mail or telephone changed? Note changes on reverse side.
000001986457535558090027528200022040005600
KIRKLAND D HILL Account number ending in 7654 Open Date: May 05, 2020 - Close Date: Jun 04, 2020 Page 2 of 6
Important Information You must ensure that sufficient funds are available in your bank account, and
See your Cardmember Agreement. Your Cardmember Agreement all transactions must comply with U.S. law.
contains all the terms of your Account.
You can set automatic payments for: (i) statement New Balance, (ii) statement
Lost or stolen cards. Report immediately! Call 1-800-347-2683. Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed
dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar
What To Do If You Think You Find A Mistake On Your Statement: amount" payment is not enough to cover the Minimum Payment Due as listed
If you think there is an error on your statement, write to us at Discover, PO
Box 30421, Salt Lake City, UT 84130-0421, or submit the form provided at on your monthly billing statement, your scheduled payment for that month
will be increased to cover the Minimum Payment Due. If the scheduled
[Link] You must contact us within 60 days
after the error appeared on your statement. You may call us, but if you do payment is greater than the Minimum Payment Due, any excess will be
we are not required to investigate any potential errors, and you may have to applied in accordance with your Cardmember Agreement. If your scheduled
payment is greater than the New Balance on your billing statement, that
pay the amount in question. The Billing Rights Notice further explains your
rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your
[Link] for a copy of this Notice. automatic payment amount may be less than the amount indicated on the
billing statement based on credits or payments after the Close Date.
Payments. You may pay all or part of your Account balance at any time. If you enroll by phone in our automatic payment service, please fill-in the
However, you must pay at least the Minimum Payment Due by the Payment following blanks below and retain the authorization for your records.
Due Date. Send only your payment and the bottom portion of this statement
in the envelope provided after affixing postage. Payments sent without proper Amount: Full Pay________ Min Pay________ Min Pay+ $____________;
postage will be returned to the sender. Do not send cash. If you pay by
check, you authorize us to use information on your check to make an Other Amount$_____________; Bank Routing #:__________________;
electronic fund transfer from your account at the financial institution indicated
on your check or to process the payment as a check transaction. If a payment Bank Account #__________________;
is processed as an electronic fund transfer, the transfer will be for the amount Monthly on the Payment Due Date Close Date
of the check. When we use information from your check to make an
electronic fund transfer, funds may be withdrawn from your account as soon ___________Day of month (insert date)
as the same day we receive your payment, and you will not receive your
check back from your financial institution. Credit Reporting. We may report information about your Account to credit
The processing of your payment may be delayed if you send cash, corres- bureaus. Late payments, missed payments, or other defaults on your Account
pondence or other items with your payments, if you send the payment to any may be reflected in your credit report. We normally report the status and
other address, or if you use an envelope other than the one provided. payment history of your Account to credit reporting agencies each month. If
Payments received in proper form at our processing facility by 5PM local time you believe that our report is inaccurate or incomplete, please write us at this
on any day will be credited to your Account as of that day. Payments received address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please
at our processing facility after 5PM local time will be credited to your Account include your name, address, home telephone number and Account number.
as of the next day. If you have misplaced your envelope, send your payment
to Discover, PO Box 6103, Carol Stream, IL 60197·6103. Please allow 7·10 Paying Interest. Your due date is at least 25 days after the close of each
days for delivery. If your payment is returned unpaid, we reserve the right to billing period (at least 23 days for billing periods that begin in February). We
resubmit it as an electronic debit. Payments made online or by phone will be will not charge you any interest on Purchases if you pay your entire balance
credited as of the day of receipt if made by 5 PM Eastern time. 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
You can pay your monthly Minimum Payment Due, or a greater amount that first day of the billing period in which the transaction posted to your Account.
does not exceed your current Account balance, over the telephone or you can
setup automatic payments through a customer service representative by How We Calculate Interest Charges. We Use the Daily Balance Method
calling 1-800-347-2683. Automatic payments for the billing period shown (including current transactions) to calculate the Balance Subject to Interest
on your statement will be deducted on the Payment Due Date shown on that Rate. For more information, please call us at 1-800-347-2683.
statement, or the next automatic payment date referred to on your statement,
unless you request a recurring payment date (e.g., the 15th day of the month) Balance Subject to Interest Rate. Your statement shows a Balance Subject
that occurs before your Payment Due Date or Close Date. If your scheduled to Interest Rate. It shows this for each transaction category. The Balance
payment date falls on a weekend or bank holiday, your payment will be Subject to Interest Rate is the average of the daily balances during the billing
period.
processed the business day prior to the weekend or bank holiday. In order to
schedule monthly payments by telephone, you will need this statement and Credit Balances. If your Account has a credit balance, the amount is shown
your bank account information. You will be asked to provide the last four (4) on the front of your billing statement. A credit balance is money that is owed
digits of the social security number of the primary borrower. By providing to you. You may make charges against this amount if your Account is open.
those numbers as your electronic signature, you will be agreeing to this We will send you a refund of any remaining balance of $1.00 or more after
authorization to allow us and your bank to deduct each payment you 6 months, or as otherwise required by applicable law, or upon request made
authorize, in the amount selected by you, from your bank account. You also to the address in the Contact Us section on page 3 of your billing statement.
authorize us to initiate debit or credit entries to your bank account, as
applicable, to correct an error in the processing of such payment. You can Balance Transfers. Balance Transfers are offered at our discretion and
cancel a scheduled payment by phone at 1-800-347-2683 or by mail at accrue interest at the standard purchase rate unless we tell you otherwise.
Discover, PO Box 30421, Salt Lake City, UT 84130-0421; payment
cancellations must be received before 5 PM ET of the scheduled withdrawal Discover may monitor and/or record telephone calls between you and
date. If your payments may vary in amount, we will tell you on each monthly Discover representatives for quality assurance purposes.
billing statement when your payment will be made and how much it will be. The Discover® card is issued by Discover Bank, Member FDIC. TL23-25N.0916
CHANGE OF ADDRESS
If correct on front, do not use. Please print clearly in blue or black ink, in the space provided.
Street Address Home Phone
Work Phone
City Email
State, Zip
To make changes to your address, email or telephone number, visit [Link]
Continued on next page
Discover More Card
® ®
Account number ending in 7654
Open Date: May 05, 2020 - Close Date: Jun 04, 2020
Page 3 of 6
CONTACT US
Web Mobile Phone Inquiry Mail Payments
Access your Manage your 1-800-DISCOVER Discover Discover
account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103
at [Link] anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream
[Link] UT 84130 IL 60197-6103
Transactions
Trans. Date Post Date
Payments and Credits May 30 May 30 INTERNET PAYMENT - THANK YOU $ -100.00
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 32.76
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 32.76
2020 Totals Year-to-Date
TOTAL FEES CHARGED IN 2020 $ 0.00
TOTAL INTEREST CHARGED IN 2020 $ 195.98
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period:30 days
ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO
TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE
Purchases 14.24% V $2,799.33 $32.76
Cash Advances 24.24% V $0.00 $0.00
V=Variable Rate
Information For You
For more information about how interest charges are calculated see your Cardmember Agreement or go to [Link]/interestcharges
FICO® Credit Score Terms
Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for
and only provided to Primary cardmembers who have an available score. See [Link]/FICO about the availability of your score. Your score and key
factors are available on [Link] and your score is provided on statements. You will see up to a year of recent scores starting when you become a
cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit
decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other
countries.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your
request. To learn more, visit [Link]/FICO
Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations
Act. Discover Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding" or "improving" your credit record,
credit history or credit rating.
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO ® Credit
Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with
Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off;
if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days.
