Discover Statement 20201116 8572 PDF

 

DISCOVER IT® CHROME CARD EN ENDI DING NGIN 85 8572 72 CARDMEMBER SINCE 2008

Account Su Summary Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged

10/17/2020 - 11/16/2020

 

$49.97 +$0.00 +$835.33 +$0.00

       

+$0.00 +$20.00 +$6.76

 

New Balance:

$912.06

Payment Information New Balance $912.06

 

Minimum Payment* Payment* Payment  Payment Due Date $57.00

12/11/2020

* Includes past due amount of $20.00

Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $40.00. Minimum Payme Minimum Payment nt Warni Warning: ng: If you mak make e onl onlyy the minimu minimum m pay paymen mentt eac each h per period iod,, you will pay more in inter interest est and it will will take long longer er to pay off your balanc balance. e. For  example:

See Intere Interest st Charg Charge e Calcu Calculatio lationsectio nsection n foll followin owing g the Fees and Interest Inter est Charg Charged ed secti sectionfor onfor detai detailedAPR ledAPR infor informatio mation n

  Credit Line   Credit Line Available   Cash Advance Credit Line Cash Advance Credit Line Available

 

$9,000 $8,077 $2,500 $2,500

Only th the minimum pa payment

5 years

$1,372

If you wouldlike inform informationabout ationabout credi creditt counse counselingservices,call lingservices,call us at 1-80 1-800-34 0-347-11 7-1121. 21.

FICO® Scor Score e 8 base based d on Tran TransUnio sUnion n® data data:: Good 686

 AS OF 11/10/20 Updated Monthly

See Key Factors that help explain your score at Disco Discover.c ver.com om or visit our mobil mobile e app

Notice:: See rever Notice reverse se side for impor important tant infor informatio mation n

Paymen Pay mentt Cou Coupon pon Detach at perfora Detach perforation tion above and retur return n with checkpayable to Discover. Disco ver. Do not fold, clip, stapl staple e or sendcash.

 ACCOUNT NUMBER ENDING IN 8572 $

912.06 $ 57.00 12/11/2020

New Balance Minimum Payment Due Payment Payme nt Due Date

 Amount Enclosed

 

OTTO KROUPA APT B 11353 SW GREENBURG RD TIGARD OR 97223-5374 PO BOX 29013 PHOENIX AZ 85038-9013

 New addres address, s, email or phone phone?? Pleas Please e updat update e on rever reverse. se. 000001986450194145077009120600287650005700

$

 

DISCOVER IT® CHROME CARD ENDI DISCOVER ENDIN NG IN IN 85 8572 OTTO KROUPA Important Information

See your Cardm CardmemberAgreemen emberAgreement. t. Your Cardm CardmemberAgreeme emberAgreement nt contai containsall nsall the terms ter ms of you yourr Acc Accoun ount. t. Reportt immed immediatel iately!Call y!Call 1-80 1-800-34 0-347-26 7-2683. 83. Lost or Stolen Cards. Repor thin ink k th ther ere e is What To Do If You Think You Find A Mistake On Your Statement: Ifyou th

an err error or on yourstate yourstatemen ment,writeto t,writeto us at Dis Discov cover, er, PO PO Box3042 Box30421, 1, Salt Salt Lak Lake e Cit City, y, UT  84130-04 8413 0-0421, 21, or submi submitt the form provi provided ded at https https://dis ://discover. cover.com/bi com/billing llingerrorn errornotice. otice.  You must contact us within 60 days after the error appeared on your statement. You maycall us,but if you do we arenot req requir uiredto edto inv invest estiga igateany teany pot potent entialerror ialerrors, s, and youmay haveto pay the amount amount in que questi stion.The on.The Bil Billin ling g Rig RightsNotic htsNotice e fur furthe ther  r  explainsyour expla insyour rights rights.. Pleasesee your Cardm CardmemberAgreemen emberAgreementt or visit https://dis https ://discover. cover.com/bi com/billing llingright rightsfor sfor a copy of this Notic Notice. e.

Payments. You may pay all or part of your Account balance at any time. However, you

must pay at lea must leastthe stthe MinimumPaymen MinimumPaymentt Due by the PaymentDue PaymentDue Date. Date. Sen Send d onl onlyy your allowa allowableform bleform of payme payment nt ("Paym ("Payment") ent") and the botto bottom m porti portion on of this state statement ment in the envelopeprovided, envelopeprovided, after affixi affixingpostage.Paymentssent ngpostage.Paymentssent withou withoutt proper  postage posta ge will be retur returnedto nedto the sende sender. r. If you pay by check check,, you you author authorize ize us to use inform inf ormati ationon onon you yourr che check ck to mak make e an ele electr ctroni onicfund cfund tra transf nsferfrom erfrom youraccou youraccountat ntat the finan financialinstitu cialinstitutionindicatedon tionindicatedon your check or to process process the paymentas paymentas a check transa tra nsacti ction.If on.If a Paym Paymentis entis pro proces cessedas sedas an ele electr ctroni onicc fun fund d tra transf nsfer,the er,the tra transf nsferwill erwill be forthe amount amount of the check, check, funds funds maybe wit withdr hdrawn awn from from youraccoun youraccountt as soon as the sameday sameday we rec receiv eive e yourchec yourcheck, k, and and you wil willl notrecei notreceiveyour veyour che check ck back. back. Sendin ding g cas cash h is notallow notallowed.The ed.The pro proces cessin sing g of you your  r  Please do not send cash. Sen

allowableformof allowa bleformof Paym Paymentmay entmay be del delaye ayed d if you sen send d cas cash h or cor corres respon ponden dence ce wit with h yourPayments yourPayme nts,, if yousend the Paym Paymentto entto anyotheraddress,or anyotheraddress,or if you usean envelope envel ope other thanthe one provid provided. ed. Paymentsreceived Paymentsreceived atour proce processingfacility ssingfacility by5PM lo localtim caltime e onany da dayy wi willbe llbe cr cred edit itedto edto you yourr Ac Acco coun untt as ofthatday ofthatday.. Paymentsreceived Paymen tsreceived at our proces processing sing facili facility ty after5PM local time will be credit credited ed to yourAccount yourAccou nt as ofthe nextday.If you havemispl havemisplace aced d you yourr env envelo elope,sendyour  pe,sendyour  Paymentt to Discover, Paymen Discover, PO Box 6103 6103,, Carol Stream Stream,, IL 6019 60197-61 7-6103. 03. Pleaseallow 7-10 days for deliv delivery. ery. If your Paymentis retur returned ned unpai unpaid, d, we reser reserve ve the right to resub resubmit mit it as an ele electr ctroni onicc deb debit. it. Pay Payme ments nts mad made e onl onlineor ineor by pho phone ne bef beforeMidn oreMidnigh ightt Eas Easter tern n Time Tim e on anyday exc except ept you yourr Sta Statem tementClosi entClosing ng Dat Date e wil willl be cre credit ditedas edas of thesame day;; on you day yourr Sta Statem tementClosi entClosingDate,onlin ngDate,online e andphonepayme andphonepaymentsmust ntsmust be mad made e befo be fore5:0 re5:00 0 PM Ea Easte sternTimeto rnTimeto becre becredi dite ted d as of th that at da day. y.

Page 2 of 4

OPEN TO CLOSE DATE: 10/17/2020 10/17/2020 - 11/16/2020 Minimum PaymentDue, (iii)statemen Minimum (iii)statementt Minim MinimumPayment umPayment Due plus a fixeddollar  amount,, or (iv) other dollaramount. IfIf your sched amount scheduled uled "Other dollaramount" paymen pay mentt is notenoughto cov cover er the MinimumPayme MinimumPayment nt Due as lis listedon tedon yourmont yourmonthly hly billing billin g state statement,your ment,your sched scheduled uled payme payment nt for that month will be incre increased ased to cover  the Minim Minimum um Paymen Paymentt Due. If the schedu scheduled led paymen paymentt is great greater er than the Minimu Minimum m PaymentDue, any exces excesss willbe appli applied ed in accord accordance ance with your Cardm Cardmember  ember  Agreem Agr eement ent.. Ifyour sch schedu eduledpayme ledpayment nt isgreat isgreater er tha than n the NewBalan NewBalanceon ceon yourbill yourbilling ing statement,that state ment,that paymentwill paymentwill be proces processed sed only for the amountof your New Balanc Balance. e.  Your automatic payment amount may be less than the amount indicated on the billing statementbased state mentbased on credi credits ts or paymen payments ts after the Close Date. If youenrollby pho phone ne in ourautoma ourautomaticpaym ticpaymentservi entservice,pleas ce,please e fil fill-i l-inthe nthe fol follow lowing ing blankss below andretain the authorizationfor blank authorizationfor your record records. s.

 Amount  Amou nt Full Pay ________ _______________ ______________ _________ __

Min Pay _______ ______________ ______________ ___________ ____

Min Pay+ $______ $_____________ ______________ _________ __ OtherAmount $ ________ _______________ __________ ___ Bank Routing #______________________________ __________________________ Bank Account #__________________________ ______________________________ Monthlyy on the Paymen Monthl Paymentt Due Date, or ______ Day of the month (INSE (INSERTDATE) RTDATE) CreditRepor ditReportin ting.We g.We may rep reportinfor ortinformat mationabou ionaboutt yourAccoun yourAccountt to Credit Reporting. Cre creditbureaus.Latepaymen creditburea us.Latepayments,miss ts,missed ed pay paymen ments,or ts,or oth other er def defaul aultson tson yourAccoun yourAccountt may be ref reflec lectedin tedin you yourr cre creditrepor ditreport. t. We nor normal mallyrepor lyreportt the sta statusand tusand pay paymen mentt histor his toryy of yourAccou yourAccount nt to cre credit dit rep report ortingagenc ingagencieseach ieseach mon month.If th.If you bel believ ieve e that our rep reportis ortis ina inaccu ccurat rate e or inc incomp omplet lete, e, ple pleasewriteus asewriteus at thi thiss add addres ress:Disco s:Discover ver,, PO Box 3093 30939, 9, Salt Lake City,UT 8413 84130-09 0-0939. 39. Pleaseincludeyour name,address, home telep telephone hone numbe numberr and Accoun Accountt number number..

Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billin billing g perio periods ds that beginin Febru February).We ary).We will begincharging intere int ereston ston Cas Cash h Adv Advanc ances es andBalan andBalance ce Tra Transf nsfersas ersas of thelater of the Tra Transa nsacti ction on Date or the firstday of the billin billing g perio period d inwhich the transac transactionposted tionposted to to your  Accoun Acc ount. t. If youpay the NewBalan NewBalanceon ceon yourcurre yourcurrentbilli ntbillingstate ngstatemen mentt by the Payment Payment Due Date shown on that billi billingstatement ngstatement,, we will not impos impose e inter interest est charge chargess on New Purchas Purchases. es. New Purchas Purchases es are Purcha Purchases ses that firstappear on the next billi billing ng statem sta tement ent.. Int Intere erest st wil willl con contin tinue ue to acc accrueeach rueeach dayon pur purchas chases es tha thatt app appear eared ed on previo pre vious us bil billin lingstate gstatemen ments ts unt untilyou ilyou pay the New Bal Balanc ance e infull and wil willl be bil billedin ledin

 You can also make a Payment or set up automatic payments by calling 1-800-3472683.. Automa 2683 Automaticpaymentsfor ticpaymentsfor the billi billingperiod ngperiod shown shown on your state statementwill mentwill be deducted deduc ted on the Paymen Paymentt Due Date shown on that state statement,or ment,or the the nextautomatic paymentt datereferredto on your state paymen statement,unlessyou ment,unlessyou reque request st a recur recurringpayment ringpayment date dat e tha thatt occ occursbeforeyourPaymen ursbeforeyourPaymentt DueDate.In ord orderto erto sch schedu edule le mon monthl thlyy paymentsby paymen tsby telep telephone, hone, you will need this state statementand mentand your bank accoun accountt inform inf ormati ation.Youwillbe on.Youwillbe ask askedto edto pro provid vide e the lastfour (4) dig digitsof itsof thesocialsecu thesocialsecurit rityy numberr of the prima numbe primary ry borrow borrower er as your elect electronic ronic sign signature.By ature.By provid providing ing those numbers,you numbe rs,you will be agree agreeingto ingto this this author authorizationto izationto allowus and and your bankto deducteach ded ucteach pay paymen mentt youauthor youauthorize,in ize,in theamoun theamountt sel select ected ed by you,fromyour ban bank k account. accoun t. You also authori authorizeus zeus to initia initiatedebit tedebit or credi creditt entrie entriess to your bankaccount, as app applic licabl able, e, to correct correct an err error or in theproce theprocessi ssing ng of suc such h pay paymen ment.You t.You can can cancel cel or mod modifya ifya pay paymen mentt fro from m you yourr ban bank k acc accoun ountt unt until5:00 il5:00 PMEastern PMEastern Tim Time e on the day day such paymen paymentt is sched scheduled uled by callin calling g 1-80 1-800-34 0-347-26 7-2683 83 or by mailat Disco Discover, ver, PO Box 30421, 3042 1, Salt Salt LakeCity, UT 8413 84130-04 0-0421. 21. Same Same day onlin online e or phone phone payme payments nts from bank ban k acc accoun ountt mad made e aft after5:00 er5:00 PM Eas Easter tern n Tim Time e may be mod modifi ifiedbefor edbefore e Mid Midnig night ht Easter Eas tern n Tim Time e of that day day.. Pay Paymen mentsfrom tsfrom Cas Cashba hback ck Bon Bonuscannotbe uscannotbe mod modifi ifiedor  edor  cancelledafter cancel ledafter beingmade or schedu scheduled. led.

the next billi billingcycle. ngcycle.

If you yourr pay paymen mentsmay tsmay varyin amount,we amount,we will will tel telll you on eac each h mon monthl thlyy bil billin ling g statem sta tementwhenyour entwhenyour pay paymen mentt wil willl be made made andhow much it wil willl be. You You mus mustt ens ensure ure thatt suf tha suffic ficien ientt fun funds ds areavaila areavailablein blein you yourr ban bank k acc accoun ount, t, andall tra transa nsacti ctionsmust onsmust complywith com plywith U.S U.S.. law law..

Discover Discov er maymonito maymonitorr and and/or /or rec recordtelep ordtelephonecallsbetw honecallsbetweenyou eenyou andDiscov andDiscover  er  representa repre sentativesfor tivesfor qualit qualityy assura assurancepurposes. ncepurposes.

 You can set up automatic payments for: (i) statement New Balance, (ii) statement

The Dis Discov cover er® car card d is iss issuedby uedby Dis Discove coverr Ban Bank, k, Mem MemberFDIC. berFDIC.

the Daily Balanc Balance e Method (incl (including uding How We Calculate Interest Charges. We Use the current trans current transaction actions) s) to calcul calculate ate the BalanceSubjectto BalanceSubjectto Interest Interest Rate.For more information,pleasecall inform ation,pleasecall us at 1-80 1-800-34 0-347-268 7-2683. 3.

Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest

Rate.It shows this for each trans transactioncategory.The actioncategory.The Balanc Balance e Subje Subject ct to Inter Interest est Rate is the averag average e of the dailybalancesduring the billin billing g perio period. d. yourr Acc Accoun ountt has a cre creditbalan ditbalance,the ce,the amount amount is sho shown wn on the Credit Balances Balances.. If you

front of you front yourr bil billin ling g sta statem tement ent.. A cre credit dit balan balance ce is mon money ey tha thatt is owe owed d to you.You may make mak e char chargesagain gesagainstthis stthis amount amount ifyour Acc Accoun ountt isopen.We wil willl sen send d youa ref refund und of any remain remainingbalanceof ingbalanceof $1.0 $1.00 0 or more after6 months, months, or asotherwiserequired by app applic licabl able e law law,, or uponrequestmade uponrequestmade to the addressin addressin the Contac Contactt Us sectionon sectionon page 3 of your billi billing ng state statement. ment. Balance e Trans Transfersare fersare offere offered d at our discr discretionand etionand accrueinterest BalanceTransfe Tr ansfers. rs. Balanc at thestand thestandardpurcha ardpurchase se rat rate e unl unlesswe esswe tel telll youother youotherwis wise. e.

Send Sen d inq inquir uiriesto iesto Dis Discov cover, er, PO Box3094 Box30943, 3, Sal Saltt Lak Lake e Cit City, y, UT 841 84130 30 DIT23-27.0420

Change of Address Ifcorrec Ifcorr ectt onfron onfront, t, donot us use. e. To make changes changes to your address, address, email email or teleph telephone one number, number, please print clearly in blue or blackink, in the space provided provided or visit Disco Discover.co ver.com. m.

Street Address

Home Phone

Work Phone

City

State, Stat e, Zip

Email

 

ONLINE Discover.comor  Discover.com or  download downl oad our app

PHONE 1-800-347-2683 TDD 1-800-347-7449

PAYMENTS Discover  POBox 61 6103 03 Carol Stream IL 6019 60197-610 7-6103 3

Page 3 of 4

DISCOVER IT® CHROME CARD END ENDIN ING G IN85 8572 72 OPEN TO CLOSE DATE: 10/17/2020 - 11/16/2020

Cash Ca shba back ck Bo Bonu nus s® Rewards

Transactions TRANS. DATE

10/20 10/24 10/ 24

10/26 10/27 10/ 27

11/06 11/15

PREVIOUS BALANCE PURCHASES

MERCHANT CATEGORY

DR. AXE ONLINE STORE 8558031275 TN AMAZON AMA ZON.CO .COM*2 M*2T99 T99249 249L1 L1 AMZN.COM/BILLWA G9WE5LF7H34 DR. AXE ONLINE STORE 8558031275 TN AMZN AMZ N MKT MKTP P US* US*2T2 2T2Y65 Y65K82 K82 AMZN.COM/BILLWA W24FVNRI4EB MACYS BUDGET HOUSE TUWILA WA FRED-MEYER #0028 BURIEN WA

Supermarkets Merchandise

Supermarkets Merchandise

AMOUNT  

$42.46 $17.39

$0.88

EARNED EARN ED THI THIS S PER PERIOD IOD 1% Cashback Bonus

+ $8.34

REDEEMED TH THIS PE PERIOD

-$0.00

BALANCE $38.21 CASHBACK BONUS BA $27.29 ®

$9.22

2% Cashback Bonus

Earn 2% cash back at gas stations and restaur ura ants

Department Store Supermarkets

$1,000 in combined combined purch purchases ases each each $699.60 on up to $1,000 quarter. $10.38 Plus earn 1%cash back on all other other purch purchases. ases. For detai details, ls, see Informatio Information n For You secti section. on.

Fees Fe es an and d In Inte tere rest st Ch Char arge ged d FEES FOR THIS PERIOD LATE FEE

AMOUNT $20.00

TOTA TO TALL FE FEES ES FO FOR R TH THIS IS PE PERI RIOD OD

$20.00

INTEREST CHARGED FOR THIS PERIOD

AMOUNT  

IIN RC NTTE ER RE ES STT C CH HA AR RG GE EO ON NP CU AS HHAADSVEASNCES INTEREST CHARGE ON BALANCE TRANSFERS

 

$ $6 0..7 06 0 $0.00

TOTA TO TALL IN INTE TERE REST ST FO FOR R TH THIS IS PE PERI RIOD OD

$6.76

2020 TOTALS YEAR-TO-DATE CHARGED TOTAL FEES CHARGED IN 2020 TOTAL INTEREST CHARGED IN 2020

 AMOUNT  $20.00 $31.78

Interest Inte rest Char Charge ge Calcu Calculatio lation n  Your Annual Percentage Rate (APR) is the annual interest rate on your account.

CURRENT BILLING PERIOD: 31 DAYS *

PROMO  APR EXPIRES**

BALANCE SUBJEC BALANCE SUBJECT  T  TO INT INTERE EREST ST RAT RATE E

INTEREST  CHARGE

TYPE OF BALANCE

APR

Purchases

19.99% V

N/A

$398.02

$6.76

Cash Advances

24.99%

N/A

$0.00

$0.00

 V = VARIABLE RATE

* Ifyour acc accoun ountt is cur curren rentlyenrol tlyenrolledin ledin a spe specia ciall pro progra gram m or is is pla placedinto cedinto onedurin oneduring g the termof termof the offe offer, r, youwill receive recei ve the benef benefit it of the lower ratewhile the speci special al progr program am is in effec effect. t. This includ includes,if es,if appli applicable cable,, any lower  rates as author authorizedunder izedunder the Servicemem ServicemembersCivil bersCivil Relie Relieff Act. ** Thi Thiss is the dateyour pro promot motion ionalrate alrate exp expire iress andthe remainingbala remainingbalancewillbe ncewillbe mov moved ed to you yourr sta standa ndard rd APR disclo dis closedwhen sedwhen youaccept youaccepted ed the off offer.Pleas er.Please e not note:Changi e:Changingyour ngyour pay paymen mentt duedate maychangeyour Pro Promo mo APR ExpirationDate. Expir ationDate. *** For more inform information,pleasecall ation,pleasecall us at 1-80 1-800-34 0-347-26 7-2683. 83.

Continued on next page

 

DISCOVER IT® CHROME CARD ENDI DISCOVER ENDIN NG IN IN 85 8572 OTTO KROUPA

Page 4 of 4

OPEN TO CLOSE DATE: 10/17/2020 10/17/2020 - 11/16/2020

Informat Info rmation ion For You FICO FI CO® Cr Cred edit it Sc Scor ore e Te Term rmss  Your FICO ® Credit Score, key factors, and other credit information use the FICO® Score 8 model. They are based on data from TransUnion ® and may be different from other credit scores and other credit information information provided by different bureaus. This information information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements state ments.. Customers Customers will see up to a year of recent scor scores es online. Disc Discover over and other lende lenders rs may use different different input inputs, s, such as FICO® Credi Creditt Scores, Scores, other credit 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 Unite d States and other count countries. ries. 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 process your request. 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 or credit credit rating.

 Availability of FICO® Credit Score As an active cardmember, cardmember, you may see your your FICO® Credi Creditt Score on your monthly monthly statement statement or online. online. Reasons Reasons why you may not see your your FICO® Credit Score 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 credit history is too new; if your account status is abandoned, bankrupt, bankrupt, fraud, lost or stolen, stolen, closed, revoked, or charged off; off; if you have a foreign address. Your FICO® Score is disclosed on statements when your statement 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. Cashback Bonus® Rewards Cashback Bonus: Gas and Res 2%  Cashback Restau tauran rantt pur purcha chases ses are tho those se mad made e at mer mercha chants nts cla classi ssifie fied d as gas sta statio tions ns and ful fulll ser servic vice e res restau tauran rants, ts, caf cafes, es, caf cafete eteria rias, s, and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not

be eligible.