Discover More(SM) Card - American Flag

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
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Unlimited cash rewards
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Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
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Easy online account options that put you in control
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No annual fee
Formerly Discover Platinum Card
American Flag Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners.
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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DID YOU KNOW?

	FBI statistics reveal that identity theft is one of the fastest-growing crimes in the United States, with about 1 in 5 families in the U.S. being a victim of identity theft. Identity theft is obtaining another person's personal information (e.g., name, social security number, credit card number, passport) without that person's knowledge and using that information fraudulently. For someone who discovers they are a victim of identity theft, it is important to act fast. Here are some immediate steps to take in order to stop further misuse and to restore your good credit: 1. Contact the fraud departments of any one of the 3 credit reporting companies to place a fraud alert on your credit report. When a fraud alert is placed on your credit reports, creditors will contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert, and they are required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports. When you receive them, check them over carefully for any new accounts that may have been opened without your authorization. Also be aware of any new inquiries by banks, lenders and credit card companies that you were not familiar with. 2. Report the crime to your local police or sheriff's department and request a police report. 3. Contact your creditors, banks, phone companies, and utility companies and have them freeze your accounts. Banks, credit card companies and other creditors may require a copy of your police report. You may be liable for a small sum of the fraudulent charges; check with each of your card issuers for their policies. Most creditors promptly issue replacement cards with new account numbers. 4. File a complaint with the Federal Trade Commission. 5. Monitor all bank and credit card statements and other bills carefully to ensure there are no fraudulent charges. If you find fraudulent checks or withdrawals on your bank account, notify the fraud department of your bank in writing immediately. Stop payment on any missing checks and/or close your existing account. You can also notify the check verification companies not to accept further checks under the account number that was stolen. To find out if the identity thief has been passing bad checks in your name, contact SCAN @ 1800-262-7771. If unauthorized credit card charges appear, notify your credit card company in writing without delay. 6. If you believe the theft involved your social security number, contact the Social Security Administration. They may re-issue a lost or stolen social security card or may, under some circumstances, give you a new social security number. As you know, your credit rating is all important. Every precaution should be taken to protect your credit rating. Once you have your identity straightened out, you might consider registering with Equifax Credit Watch™. Equifax Credit Watch™ makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report™ - like when someone tries to get credit in your name or there are sudden changes in your credit card balances. - so you can act before serious damage is done. Below are important phone numbers you will need for reporting your identity theft: Credit Reporting Agencies: Equifax 1800-525-6285 Experian 1888-397-3742 TransUnion 1800-680-7209 Federal Trade Commission Hotline: FTC Hotline 1877-438-4338 Check Verification Companies: Telecheck 1800-710-9898 Certegy 1800-437-5120 To find out if the identity thief has been passing bad checks in your name: SCAN 1800-262-7771

You may find it difficult to manage finances together when you’ve been acustom to managing your finances alone. But when you become part of a couple, many things change, and your finances are no exception! Some couples take the traditional path of blending all their money together, however today more and more couples are deciding to keep their finances separate.

What are the benefits of each way? The benefits of combining funds into one checking account includes easier record keeping, simplified money management (you hope), and less paperwork when applying for credit. In addition, the blending of finances can create a “unified front” in that aspect of a relationship that simply can’t be argued with. Obviously, the drawbacks are that both people are actively using the account and that will make it harder to track all the transactions and keep up with your balance when you don’t know what the other is doing.

If you choose to maintain separate accounts, this will allow each person more freedom, because they won’t have to run purchases by the other person. In addition, doing so may create fewer complications in the relationship, allow each person to build their own good credit, and quite simply allow them to maintain a sense of independence. The most obvious downfall to a his and her finance arrangement is that it can be disproportionately unfair. If one person makes $80,000 per year, and the other $35,000, the person making the lower salary may not like the arrangement!

If you do decide to keep “his and her” checking or savings accounts, then you’ll need to find a system for paying bills and handling other joint finances together. One option that has worked great for many couples is to create a third checking account and designate it as the “combo” fund. You can set up your separate, individual checking accounts to have money automatically withdrawn from them each month at most financial institutions. You will have to sit down together and decide what amount needs to be in the joint account every month in order to cover the “combined” expenses. In a situation like the above—where one person makes significantly more than the other—it is usual for the higher wage earner to pay a larger portion of the expenses.

Another aspect to consider with his and her finances is credit. This can be considerably good or bad, depending on your individual credit ratings. However, at some point you may want to apply for joint credit with your spouse. You will most likely want to make big purchases together throughout the marriage such as a car, a house, or appliances, and it’s much easier to do that if you have joint credit. With joint credit, you will both be 100% responsible for the debt, even if you co-sign a loan with your spouse or add your name to your spouse’s credit card account. On the other hand, if you decide to maintain separate credit, the general rule is that you are not responsible for each other’s debt. (The exception to this is if the debt is considered a house hold expense.)

If one person had bad credit prior to getting married, then the person with good credit may want to keep their credit separate. Why? Because if you apply for credit together, the lower credit score will bring down the higher one.

The best advice? Be upfront about your financial weaknesses, and discuss a plan—before the big day—to handle them. Once you have identified the potential pitfalls, it will only take a small amount of planning to overcome them.