How To Cancel Discover Card Application In 2023

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If you were approved for a Discover credit card but decided it's not the right fit, there are steps to take in order to cancel your application. But let us first understand what Discover is?

What is Discover?

Discover is a direct bank that offers credit cards to college students, entrepreneurs, and more. The Discover card was first introduced in 1985 as an alternative payment method compared to the growing American Express. Discover has grown over the years to become one of the largest U.S.-based issuers of credit cards.

What is a discover credit card?

A Discover Card is a type of credit card issued by the Discover company. The best thing about a Discover card is that it offers cash back or other rewards on all purchases, which can be redeemed for statement credits, gift cards, and other items.

It's easy to qualify for a Discover credit card. Unlike other banks, Discover doesn't have the so-called "eligibility requirements." There are no income requirements or credit score threshold to be eligible for a Discover credit card.

The only requirement is that you have to be at least 18 years of age and have an active U.S. bank account to apply online for a Discover credit card.

What benefits come with Discover?

An advantage of using a Discover credit card is that there are no late payment fees, annual fees, or penalty rates. Also, you can enroll in autopay to avoid late payments while receiving text alerts about your account balance and recent activity.

Cashback is another great benefit since it allows you to earn cash for every purchase made. Cashback can be redeemed as a statement credit for future purchases, or you can choose to save it up and use it later. Discover also provides free online access to your FICO score.

What's the difference between Discover and other banks?

One thing that differentiates Discover from its competitors is the fact that it is a direct bank. In other words, Discover doesn't have any branches or ATMs.

This means that you'll never see a physical Discover card or meet a customer service representative in person. The only way to maintain your account is through the mobile app, phone, and website access for online banking.

It's easy to cancel a Discover credit card. But first things first, you must be aware of the reasons for which you can and cannot cancel your Discover credit card application. You can cancel your application if:


You're dissatisfied with the product and want to return it within 60 days. This includes applications for a new card, payment, or transfer.

You decided to cancel because you're not satisfied with the product. This can be done within 60 days of when you received the product for that specific reason.

No longer interested:

You are no longer interested in receiving credit cards from Discover. If you are no longer interested in receiving credit cards from Discover, you can cancel your application with this same reasoning.

No longer a U.S. resident:

You no longer live in the United States and do not have a U.S. bank account anymore. If you just moved out of the US and don't plan on opening another US bank account, you may want to cancel your application if you're not planning on using a credit card from Discover again.

You have been denied for any of the above reasons. If you didn't receive exactly what you wanted or were offered a product that did not meet your expectations, then it is okay to cancel your application for this reason.

It's important to note that Discover will not allow you to cancel the application only because of a bad credit score. It is also important that you do not apply for multiple credit cards with similar reward programs and cashback offers, as this might lead to your account being closed.

How to cancel Discover Card by calling customer care?

  1. Call customer support at 1-800-347-2683
  2. Press "0" to speak with a representative directly, or press the appropriate extension listed below if you know what department you want to talk to.
  3. After your call is answered, explain that you'd like to cancel your account so they can pull up your account in their systems.
  4. Give the representative your 16-digit card number so they can find your account in their system and cancel it for you.
  5. If you're canceling because of a service issue, explain the problem to the customer care representative as clearly as possible and ask if they can assist you further with that issue.
  6. Request a confirmation number from the customer service representative and write it down to ensure that your account has been canceled properly.

How To Cancel Discover Card Application By Mail?

  1. Locate your most recent statement with your complete account information, including your 16-digit card number, as well as any additional cards on your account.
  2. Write a letter to the following address: Discover Card Receivables P.O. Box 18937 Seattle, WA 98118-3937
  3. Include your 16-digit card number and/or any additional cards on your account (this information is also located on your most recent statement).
  4. Request that they close your account and outline the reason why you're canceling your Discover credit card.
  5. Request a confirmation number from the customer service representative and write it down to ensure that your account has been canceled properly.

How is the customer support service of Discover?

A customer support service is a phone number where you can call and speak to live an agent. You can also cancel your application on online banking under the "manage credit" tab. To speak with a representative, press 0 while listening to introductory prompts or select from one of the following --

Cardmember Services: There may be some instances when a cardmember may encounter a problem or have a concern needing immediate attention. These types of problems may include when there is an unauthorized transaction with their Discover Card or it has been lost or stolen. The cardmember should call the following dedicated number for assistance in these cases: 1-800-347-2683

What happens if I don't want the credit score access feature?

If you do not want to pay for your monthly credit score, you can call customer service at 1-800-347-2683 and ask them to remove it from your account. You will still have access to your current scores, but it will be free of charge.

How to apply for Discover Card?

  1. Click on the official website to apply for Discover Credit Card.
  2. On the "Submit your application" page, enter your contact information, select where you'd like to receive your card (to be mailed or delivered via email), and enter in your date of birth and social security number(required).
  3. Select the type of card you'd like to apply for and submit your application by clicking on "Submit Application" (if you don't see a credit card that interests you, keep clicking till you find one)
  4. After submitting your application, Discover will review it and send you an email to notify you if they've approved your application.
  5. If Discover has approved your application, wait for them to send you a credit card or call 1-800-347-2683 and set up a time to activate the account over the phone.
  6. Congratulations! You're now the proud owner of a new Discover Credit Card!

How long does it take to get a discover card?

Your Discover Card should arrive by mail 7-10 business days after you've been approved. If this doesn't happen, contact Discover Customer Service at 1-800-347-2683 for assistance.

Is Discover card safe to use?

Yes. Discover is a well-respected company and is legally considered secure to make purchases with. Also, if your card is stolen, Discover will not hold you accountable for any fraudulent charges made on it.

Signing up for Discover online does have its own risks, though. According to Card Hub, some people have had their credit information stolen this way after being tricked into sharing it with someone posing as a representative of the company. This can be avoided by reading all of the fine print before submitting any personal information and double-checking to be sure that the site is secure.

If you're still concerned, applying for a Discover credit card in person can help avoid this altogether.


It is easy to cancel Discover Card Account. You can either call the customer service number or cancel online in your online banking account. Also, to get help canceling the Discover card application you can contact 1-800-347-2683 or visit to reach a live agent.

This article shows how to apply for Discover Card, gives detail about what you can do if you don't want a credit score feature, provides information about how long it takes to get a discover card, and tells where you can find more information.

Michael Restiano

I lead product content strategy for SaltMoney. Additionally, I’m helping our broader team of 4 evolve into a mature content strategy practice with the right documentation and processes to deliver quality work. Prior to Instacart, I was a content strategy lead at Uber Eats and Facebook. Before that, I was a content strategist at SapientNitro, helping major Fortune 500 brands create better, more useful digital content.

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