Discover Customer Service

Phone Number & Contact Info

Discover's Best Phone Number

Toll-free·Calls Customer Service·Most popular Discover number

How do I talk to a live human at Discover?

A:Say "Agent" two times, then enter the last 4 digits of your Social Security #, then keep entering 0 until you are transferred.

Does Discover offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Thursday.

How long will I wait on hold?

A:The average hold time is 1 minute and 16 seconds. The longest hold times are on Sunday, and the shortest are on Tuesday. How is this calculated?

Discover Customer Phone Numbers

Member Services

Toll-free · 24 hours, 7 days · Just ignore the parts about "Cannot continue with your input" and keep pressing 0. You'll get an Account Manager. · Are you calling about a pending application, or is there something else I can help you with?

Technical Support

Toll-free · 24 hours, 7 days · Press 0 immediately · Tell me, how can I help you?

International Customer Service

24 hours, 7 days · Calling this Discover number should go right to a real human being · International line - Please hold for the next representative.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Discover phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Say "Agent" two times, then enter the last 4 digits of your Social Security #, then keep entering 0 until you are transferred.
Here is how our research team describes the way the Discover phone system greets you: Tell me, how can I help you?
Below are some clips we've found from Discover's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask your reason for calling (instead of a menu)

"Thanks for calling Discover.
Just so you know, this call may be monitored and recorded.
And your voice may be used for verification. Now tell me, how can I help you?"
Excerpt from a call with Discover
Monday, June 24, 2024 6:39 PM

They may ask you to say or enter information

I'm afraid I didn't get that. Please say or
You entered less than five digits. Please say or enter your five digit ZIP code."
Excerpt from a call with Discover
Monday, June 24, 2024 6:39 PM

What are the hours and when should I call?

Discover operates the call center for this 800-347-2683 phone number 24 hours, 7 days. The short answer is that you should call on a Tuesday. This observation and the following section are based on analysis of a sample set of 1,078 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Discover phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Discover staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Discover is Sunday. The most busy day to call is Thursday, which averages 217% more phone calls by comparison. Again, this is based on a sample of 1,078 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Sunday, which is 921% longer than the minimum. As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.

The best time to call Discover

In summation, the best day to call Discover is Tuesday. It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Discover staffs up on Tuesday to handle the higher call volume, and that makes it the best time to call.

Why Customers Call Discover

If you have time to do a bit of reading before you call Discover, we recommend you read over some of our problem-specific articles.

How Do I Update My Account Information with Discover Card?

Discover card is a product of the Discover Financial company (DFS). The Discover card allows you to purchase goods without paying for them immediately. You can then pay back the money to Discover either monthly or annually. To avoid paying huge interest, it is advisable to pay Discover on time since extending the payments to overtime can cost you a lot of money. While using the Discover card, it is important to keep your credit utilization rate low because this contributes to a higher credit score. You can update your account information on Discover as you wish by following the guidelines in this article.

What Are Some Reviews for Discover Credit Card?

If you're considering getting a Discover card, you should probably check out the customer reviews to get an idea of what kind of experience you might have with the company. Reviews are overwhelmingly positive with both Consumer Affairs and WalletHub and very negative with the Better Business Bureau. However, there are far more positive reviews than negative ones overall.

Why Was My Discover Credit Card Declined?

If your Discover card has been declined and you don't know why, you need to figure out what went wrong and how you can fix it if you want to access to your money again. There are a number of reasons your Discover card might have been declined, including suspected fraud, having a hold put on your account, not paying your bills and more.

Top Discover customer service problems

Click the link above to get answers to just about any Discover customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Discover, and their purpose. Are any of these similar to the reason you are trying to call?
Making payment: "I want to pay the whole balance."
- From a call lasting 3m 28s , Jul 10, 2024 1:12 PM
Close credit card: "I want to close my card because I no longer reside in the United States."
- From a call lasting 2m 46s , Jun 28, 2024 1:14 AM
Concerns about PayPal charges: "I'm having trouble with PayPal coming through with fraudulent charges."
- From a call lasting 6m 9s , Jun 25, 2024 10:49 PM
Seeking customer service: "I need to talk to customer service."
- From a call lasting 1m 53s , Jun 23, 2024 2:03 AM
Confusion on call purpose: "The caller seemed to be struggling with various names and locations during the call."
- From a call lasting 13m 2s , Jun 18, 2024 1:52 PM
Payment assistance needed: "I need to pay my Discover bill, and I have not been able to do that."
- From a call lasting 3m 55s , Jun 10, 2024 8:31 PM
Making payment: "I want to make a payment for account ending in 1386."
- From a call lasting 1m 4s , Jun 1, 2024 4:39 PM
Payment assistance: "I need to pay my bill."
- From a call lasting 3m 1s , May 18, 2024 2:04 PM
Report suspicious activity: "Well, I think somebody got my number. I think somebody was looking over my shoulder when I was using my card, so I wanna change it."
- From a call lasting 13m 15s , May 16, 2024 10:56 PM
Seeking to talk to agent: "Hello, I need to speak with an agent."
- From a call lasting 1m 57s , May 14, 2024 9:07 PM

More Discover Customer Service Contacts

There are of course other ways to contact Discover customer service besides the phone. Below we list the best ones, by medium.

Discover Customer Service Live Chat

discover.com - Customer Service
Use this link to launch chat
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Discover provides this option.

Discover Customer Help Desk / Web Support

discover.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Discover customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Discover's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Discover agent. This phone number is Discover's best phone number because 16,446 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-347-2683 include Lower my interest rate, Cancel my account and other customer service issues. Rather than trying to call Discover first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or chat. In total, Discover has 4 phone numbers. It's not always clear what is the best way to talk to Discover representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Discover. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Discover. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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