Discover Credit Card

Account number ending in 1523

Open Date: Sep 15, 2019
Card member Since 2019

Page 1 of 6

REWARDS

Cashback Bonus® Anniversary Month

Make Check payable to Discover. Do Not Send Cash. September
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Opening Balance Please fold on the perforation below, detach
$ and return with0.00
your
payment.
New Cashback Bonus This Period
Everywhere Else + $ 6.98
Redeemed This Period - $ 0.00
Cashback Bonus Balance $ 6.98
To learn more, log in at Discover.com

Mr John Doe
2 Post Alley,
Seattle, WA 98101
PO BOX 742655
CINCINNATI, OH 45274-2655
Phone and Internet payments must be received before midnight ET on your due date to be
credited as of the same day.
Address, e-mail or telephone changed? Note changes on reverse side.

000000 L 988 158453366 1000000000000 14 000000000

Account Number ending in 5433

Minimum Payment Due $0.00

New Balance $0.00

Payment Due Date November 21, 2017

Amount enclosed $
WILLIAM VAUGHN Account number ending in 6789 Open Date: Sep 15, 2017 - Close Date: Oct 26, 2017 Page 2 of 6

Important Information You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) other
your Account. dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the
Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for
Lost or stolen cards. Report immediately! Call 1-800-347-3085.
that month will be increased to cover the Minimum Payment Due. If the scheduled payment is
What To Do If You Think You Find A Mistake On Your Statement: greater than the Minimum Payment Due, any excess will be applied in accordance with your
If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Cardmember Agreement. If your scheduled payment is greater than the New Balance on your
Lake City, UT 84130-0421, or submit the form provided at billing statement, that payment will be processed only for the amount of your New Balance.
https://discover.com/billingerrornotice. You must contact us within 60 days after the error Your automatic payment amount may be less than the amount indicated on the billing statement
appeared on your statement. You may call us, but if you do we are not required to based on credits or payments after the Close Date.
investigate any potential errors, and you may have to pay the amount in question. The
Billing Rights Notice further explains your rights. Please see your Cardmember Agreement If you enroll by phone in our automatic payment service, please fill-in the following blanks
or below and retain the authorization for your records.
visit https://discover.com/billingrights for a copy of this Notice.
Payments. You may pay all or part of your Account balance at any time. However, you Amount:  Full Pay  Min Pay  Min Pay+ $ ;
must pay at least the Minimum Payment Due by the Payment Due Date. Send only your  Other Amount$ ; Bank Routing #: ;
allowable form of payment ("Payment") and the bottom portion of this statement in the Bank Account # ;
envelope provided, after affixing postage. Payments sent without proper postage will be
returned to the sender. If you pay by check, you authorize us to use information on your Monthly on the  Payment Due Date
check to make an electronic fund transfer from your account at the financial institution  Day of month (insert date)
indicated on your check or to process the payment as a check transaction. If a Payment is
processed as an electronic fund transfer, the transfer will be for the amount of the check, Credit Reporting. We may report information about your Account to credit bureaus. Late
funds may be withdrawn from your account as soon as the same day we receive your check, payments, missed payments, or other defaults on your Account may be reflected in your credit
and you will not receive your check back. report. We normally report the status and payment history of your Account to credit reporting
Please do not send cash. Sending cash is not allowed. The processing of your allowable agencies each month. If you believe that our report is inaccurate or incomplete, please write us at
form of Payment may be delayed if you send cash or correspondence with your Payments, if this address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name,
you send the Payment to any other address, or if you use an envelope other than the one address, home telephone number and Account number.
provided. Payments received at our processing facility by 5PM local time on any day will
be credited to your Account as of that day. Payments received at our processing facility Paying Interest. Your due date is at least 25 days after the close of each billing period (at least
after 5PM local time will be credited to your Account as of the next day. If you hove 23 days for billing periods that begin in February). We will not charge you any interest on
misplaced your envelope, send your Payment to Discover, PO Box 6103, Carol Stream, IL Purchases if you pay your entire balance by the due date each month. We will begin charging
60197-6103. Please allow 7-10 days for delivery. If your Payment is returned unpaid, we interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the
reserve the right to resubmit it as on electronic debit. Payments made online or by phone first day of the billing period in which the transaction posted to your Account.
will be credited as of the day of receipt if made by Midnight ET on the Payment Due Date
or 5PM ET on any other day. How We Calculate Interest Charges. We Use the Daily Balance Method (including current
You can also make a Payment or set up automatic payments by calling transactions) to calculate the Balance Subject to Interest Rate. For more information, please call
1-800-347-3085. Automatic payments for the billing period shown on your statement will us at 1-800-347-3085.
be deducted on the Payment Due Date shown on that statement, or the next automatic
payment date referred to on your statement, unless you request a recurring payment date Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It
that occurs before your Payment Due Date. If your scheduled payment date falls on a shows this for each transaction category. The Balance Subject to Interest Rate is the average of
weekend or bank holiday, your payment will be processed the business day prior to the the daily balances during the billing period.
weekend or bank holiday. In order to schedule monthly payments by telephone, you will
need this statement and your bank account information. You will be asked to provide the Credit Balances. If your Account has a credit balance, the amount is shown on the front of your
lost four (4) digits of the social security number of the primary borrower as your electronic billing statement. A credit balance is money that is owed to you. You may make charges against
signature. By providing those numbers, you will be agreeing to this authorization to allow this amount if your Account is open. We will send you a refund of any remaining balance of
us and your bank to deduct each payment you authorize, in the amount selected by you, $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made
from your bank account. You also authorize us to initiate debit or credit entries to your bank to the address in the Contact Us section on page 3 of your billing statement.
account, as applicable, to correct an error in the processing of such payment. You can
cancel a scheduled payment by phone at 1-800-347-3085 or by mail at Discover, PO Box Balance Transfers. Balance Transfers are offered at our discretion and accrue interest at the
30421, Salt Lake City, UT 84130-0421; payment cancellations must be received before 5 standard purchase rate unless we tell you otherwise.
PM ET of the scheduled withdrawal date.
If your payments may vary in amount, we will tell you on each monthly billing statement Discover may monitor and/or record telephone calls between you and
when your payment will be made and how much it will be. You must ensure that sufficient Discover representatives for quality assurance purposes.
funds are available in your bank account, and all transactions must comply with U.S. law.
The Discover® card is issued by Discover Bank, Member FDIC. DIT23-25.1116

CHANGE OF ADDRESS

Street Address Home Phone

Work Phone

City Email

State, Zip

Continued on next page

 Discover it® chrome Card
Account number ending in 6789
Open Date: Sep 15, 2017- Close Date: Oct 26, 2017
Page 3 of 6

CONTACT US
Web Mobile Phone Inquiry Mail Payment
Access your Manage your account Discover Discover
Account securely anytime, anywhere ta 1-800-347-3085 PO Box 30943 PO Box 6103
at Discover.com m.Discover.com TDD 1-800-347-7449 Salt Lake City Carol Stream
UT 84130 IL 60197-6103

Transactions
Trans. Date Post Date
Payments and Credits Oct 2 Oct 2 INTERNET PAYMENT - THANK YOU $ -180.00
Oct 13 Oct 13 INTERNET PAYMENT - THANK YOU -80.00
Oct 23 Oct 23 INTERNET PAYMENT - THANK YOU -164.35

Merchandise Sep 21 Sep 21 WAL-MART SC - #0571 GEORGETOWN KY $ 22.37

Sep 23 Sep 23 NUMARK TOBACCO PRODUCT 855-MARKTEN 6.35
VA M170923-12-03587
Oct 3 Oct 3 WAL-MART SC - #0571 GEORGETOWN KY 82.95
Oct 4 Oct 4 WAL-MART SC - #0571 GEORGETOWN KY 30.00
Oct 18 Oct 18 QUICKTAG/PET TAG VENDING TEMPE AZ 5.00
Oct 18 Oct 18 WAL-MART SC - #0571 GEORGETOWN KY 2.10
Restaurants Sep 20 Sep 20 COLUMBIA STEAKHOUSE LEXINGTON KY $ 39.19
Sep 20 Sep 20 WENDY'S 810 GEORGETOWN KY 2.00
Sep 20 Sep 20 MCDONALD'S F10663 GEORGETOWN KY 6.97
Sep 21 Sep 21 WENDY'S 810 GEORGETOWN KY 19.61
Sep 22 Sep 22 DAIRY QUEEN #13388 GEORGETOWN KY 11.09
Sep 22 Sep 22 OEC JAPANESE EXPRESS GEORGETOWN KY 28.62
Sep 23 Sep 23 WENDY'S 810 GEORGETOWN KY 21.19
Oct 18 Oct 18 WENDY'S 810 GEORGETOWN KY 12.87
Gasoline Sep 21 Sep 21 SPEEDWAY 09377 GEO GEORGETOWN KY $ 28.17
Sep 22 Sep 22 VALERO FOOD MART GEORGETOWN KY 4.82
Sep 22 Sep 22 SHELL 10011423018 GEORGETOWN KY 5.87
Oct 3 Oct 3 JJ'S VALERO GEORGETOWN KY 5.71
Oct 4 Oct 4 JJ'S VALERO GEORGETOWN KY 9.06
Oct 5 Oct 5 THORNTONS #0052 Q35 LEXINGTON KY 5.83
Oct 8 Oct 8 JJ'S VALERO GEORGETOWN KY 10.11
Oct 10 Oct 10 JJ'S VALERO GEORGETOWN KY 5.99
Oct 11 Oct 11 JJ'S VALERO GEORGETOWN KY 10.65
Oct 12 Oct 12 SPEEDWAY 09377 GEO GEORGETOWN KY 1.05
Oct 13 Oct 13 SPEEDWAY 09377 GEO GEORGETOWN KY 10.00
Oct 13 Oct 13 MARATHON PETRO GEORGETOWN KY 4.94
Oct 13 Oct 13 JJ'S VALERO GEORGETOWN KY 4.82
Oct 17 Oct 17 JJ'S VALERO GEORGETOWN KY 16.37
Oct 18 Oct 18 JJ'S VALERO GEORGETOWN KY 10.65
Fees TOTAL FEES FOR THIS PERIOD $ 0.00

Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00

2017 Totals Year-to-Date

TOTAL FEES CHARGED IN 2017 $ 0.00
TOTAL INTEREST CHARGED IN 2017 $ 0.00

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

WILLIAM VAUGHN Account number ending in 6789 Open Date: Sep 15, 2017 - Close Date: Oct 26, 2017 Page 4 of 6

Interest Charge Calculation

Your Annual percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 42 days
ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO
TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE
Purchases 23.99% V $0.00 $0.00
Cash Advances 25.99% V $0.00 $0.00
V=Variable Rate

Information For You

FICO® Credit Score Terms

Your score and key factors use the FICO® Score 8 model. They are based on your TransUnion credit report 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 Discover.com/FICO about the availability of your score. Your score and key
factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online 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 Discover.com/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. Your FICO® Score is disclosed on
statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30
days.
 Discover it® chrome Card
Account number ending in 6789
Open Date: Sep 15, 2017- Close Date: Oct 26, 2017
Page 5 of 6

.
SECURITY DEPOSIT ACCOUNT ACTIVITY
Sep 15 Beginning Balance $0.00

Sep 15 ACH TRANSFER IN (SECURITY DEPOSIT) + $200.00

Oct 26 Ending Balance $200.00

Discover Bank, Member FDIC. Funds in Discover Bank deposit accounts are insured by the FDIC to the maximum amount allowed by law.

IMPORTANT SECURITY DEPOSIT INFORMATION

In case of errors or questions about your funding transfers, call us at 1-800-347-3085 or write us at Discover PO Box 30943, Salt Lake City, UT 84130 as soon as you can
if you think your statement is wrong or if you need more information about a funding transfer on the statement. We must hear from you no later than 60 days after we sent
you the FIRST statement on which the error or problem appeared.

1. Tell us your name and account number.

2. Describe the error or the funding transfer you are unsure about, and explain as clear as you can why you believe it is an error or why you need more information.

3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your Security
Deposit Account for the amount you think is in error (if applicable) during the time it takes to complete our investigation.
WILLIAM VAUGHN Account number ending in 6789 Open Date: Sep 15, 2017 - Close Date: Oct 26, 2017 Page 6 of 6

William, your FICO® Credit Score is 572 as of 10/20/2017

Important Information:
- We may not always receive a score for you each month, so there may be months with no scores.
- For questions on the availability of your score go to the "Information For You" section of this statement.
- As a new cardmember with less than 12 months of account history with Discover, your FICO® Credit Score history
may take time to build, and may not start with the first month your account opened.

Log in to Discover.com/FICO to see key factors that help explain your scores

See FICO® Credit Score Terms on the 'Information For You' section of this statement

© 2017 Discover Bank, Member FDIC CODE_SUM_0317