Identity Theft Discover Credit Card Fraud Protection

Fraud Protection from Discover Card
In the unfortunate event that you find yourself becoming a victim of identity theft, Discover credit card fraud protection can help protect your finances and credit history. Discover is recognized as a leader among credit card issuers when it comes to early fraud detection, which results in strong protection against identity theft for account holders.

Discover offers quick and automated fraud monitoring and protection. If suspicious account activity is detected, Discover’s fraud protection department will contact card holders right away. The company’s powerful early warning system for potential fraudulent activity fulfills an important role in alerting cardholders to the possibility of identity theft.

The company is so confident in its fraud protection capabilities that cardholders aren’t held responsible for unauthorized charges. If you have a Discover card and fraudulent charges are made to your account, you won’t be responsible for paying any of the charges. Once fraudulent activity is detected, a fraud specialist will be assigned to work closely with you until your identity theft problems are resolved. You’ll have access to on staff fraud representatives 24 hours per day, seven days per week.

Additional Identity Theft Discover Credit Card Fraud Protection Benefits
In addition to being able to rely on a quick and decisive response from Discover’s fraud protection specialists in the event of a problem, you can also take advantages of cardholder services designed to help prevent problems from developing in the first place.

Paperless Statement Option
Stealing account statements and other types of personal information from people’s mailboxes is one of the most common ways that identity thieves get the information they need to commit fraud. To reduce cardholder exposure to identity theft, Discover allows accountholders to opt to receive their monthly statements online instead of via postal mail at no charge.

If you opt for paperless statements, those looking to steal account information won’t have an opportunity to swipe information about your Discover account from your mailbox. Instead of receiving your monthly account statements by mail, you’ll simply receive an email notification letting you know that you can log into your account and view your statement online.

If you use Quicken or Microsoft Money to manage your finances, you’ll be delighted to learn that you can download account data directly to the software, resulting in a savings of time and effort. If you want or need a paper copy, you can print your statement directly from your online account. You’ll also get an email reminder just before your bill is due, so you won’t have to worry about accidentally forgetting to make your payment.
Secure Online Transactions
With Discover’s optional secure online account number service, you can add an extra layer of protection to online transactions. This no cost service allows cardholders to use a special secure number, different from your actual Discover card account number, to make online purchases. The application takes care of filling out web-based checkout forms with a retailer specific secure number. Your real account number is never entered into the form, and the secure number can be used only at the retailer for which it was originally generated.

If you want to use this fraud protection feature, you can download and utilize the desktop version of Discover’s Secure Online Account Number service at no charge. You’ll be able to make secure online purchases from your personal computer. You can also launch and use the browser version of the application from any computer with Internet access. You’ll be able to enjoy single click access to use your Discover card, secure with the knowledge that your account number is protected.

Affordable Identity Theft Protection
If you want to extend your protection against identity theft beyond the features included with your Discover card at no charge, you can opt to enroll in Discover’s affordable comprehensive identity theft protection program. To sign up, visit the Discover Identity Theft Protection online registration form or call toll free 866-708-0672.

Program benefits include:

•Comprehensive monitoring of your credit file
•Identity theft insurance ($25,000)
•Initial simplified copy of your credit report
•Instant notification of certain types of changes to your credit report
•Quarterly credit report updates
•Telephone access to credit report and identity theft advisors
Protect Your Identity
It’s in your best interest to be diligent in making sure your identity is protected at all times. When it comes to identity theft, Discover credit card fraud protection is one of the best options for keeping your finances and your credit history safe