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To find the interest rate on a Discover card, look for the “Interest Charge Calculation” section on your monthly billing statement (electronic or paper). There, you will find the Annual Percentage Rates (APRs) for your account. If you don’t have your monthly statement handy, you can log in to your online account and download/print a copy any time.
You can also call Discover customer service at 1 (800) 347-2683 to find your interest rate. Follow the prompts until you reach the department that handles billing or general inquiries. Alternatively, you can send a message to Discover directly through their website. Under “Contact Us”, select either the “Message an Agent” feature or “Send a Secure e-mail” to request your interest rate.
To find out what the interest rate will be on a Discover credit card you’re thinking of applying for, compare Discover card offers online. Under “Regular APR,” you’ll be able to see the possible APRs on each card. There may also be promotional 0% introductory APRs, depending on the card, which are followed by a standard variable APR.
APRs typically come as a range. The actual rate a cardholder receives within that range depends on various factors. They include credit history, income, debt level, and more. Keep in mind that the APR is the annual interest rate on your account. To calculate your daily interest rate, divide the APR by 365 for the number of days in a year.
How to find the interest rate on a Discover card:
- Check your statement: Look under the “Interest Charge Calculation” section.
- By phone: Call customer service at 1 (800) 347-2683 any time.
- Online: Log in to your online account and download a copy of your billing statement. Or, click the “Contact Us” link at the bottom of the page and select “Message an Agent.”
It’s easy to find the interest rate on a Discover card, and there are plenty of methods to do it. Customer service is available 24/7 to help you if you have any trouble.
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