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Discover Card

Creditor Information / Discover Card

Telephone800-347-3152
Payment Percentage of balance2.25%/ 2%/1.75% Some may require +3%
Payment Minimum Amount$15.00 / Some $35.00
Charge Free PeriodN/A
Acct Required to be Open9 Mo
CSP/Hardship programsYes
DMP Interest Rate11.99%/ 9.99%/6.99%/ 1.99%
Waive late feesYes
Waive over limit feesYes
DMP benefits beginUpon proposal acceptance
Re-AgeYes, automatically after third accepted DMP payment, if eligible
RestructureNo
RecallYes, depends on the agency handling and their preference.
Due Date ChangesYes
Charge Off Period210 days
Drop PolicyAccount drops when it reaches 60 days delinquency. It doesn’t have to be consecutive.
Internal hardship/ Promotion PolicyAccts already on internal plans are not eligible for DMP until they expire. Send new proposal once it has been removed.
Misc. InformationSome cards require $35 MMP or +3% of balance, due to contractual requirements. Clients can find information on their monthly billing statements.

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