Discover it Card ®

Account number ending in 6133

Open Date: Jul 01, 2020- Close Date: Jul 31, 2020
Cardmember Since 2014

Page 1 of 1
ACCOUNT SUMMARY PAYMENT INFORMATION
Previous Balance $6,042.94 New Balance $6,271.04
Payments and Credits - $130.81 Minimum Payment Due $126.00
Purchases + $358.91 Payment Due Date April 8, 2015
Balance Transfers + $0.00
Cash Advances + $0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged + $0.00 date listed above, you may have to pay a late fee of up to $35.00.
Interest Charged + $0.00 Minimum Payment Warning: If you make only the minimum payment each
period, you will pay more in interest and it will take you longer to pay off your
New Balance $6,271.04
balance. For example:
See Interest Charge Calculation section following the
Transactions section for detailed APR information
Credit Line $7,250
Credit Line Available $978 Only the minimum payment 17 years $12,018

Cash Advance Credit Line $900 $210 3 years $7,547

Cash Advance Credit Line Available $900 (Savings= $4,471)

You may be able to avoid interest on Purchases.

See reverse for details.

If you would like information about credit counseling services, call 1-800-347-1121.

REWARDS
699 Cashback Bonus®
Anniversary Month
July
Your FICO® Credit Score on
7/31/20. More at Discover.com Opening Balance $ 9.81
New Cashback Bonus This Period
Please pay online at www.Discover.com or make checks Everywhere Else +$ 3.58
payable to Discover. Phone or internet payment? Pay before Redeemed This Period - $ 9.81
midnight ET on your payment due date for same day credit. Cashback Bonus Balance $ 3.58
To learn more, log in at Discover.com

Make Check payable to Discover.

Please fold on the perforation below, detach and return with your payment. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

6133

$126.00
$6,271.04
Aug 31, 2020

DENISE SPELL
8644 OSTEEN ST
JACKSONVILLE FL 32210

502 E MARKET ST
GREENWOOD DE 1995084
Phone and Internet payments must be received before midnight ET on your due date to be
credited as of the same day.
Address, e-mail or telephone changed? Note changes on reverse side.

000001986833832077242062710400554750012600
 LISA G VIBLE Account number ending in 8022 Open Date: Feb 14, 2015 - Close Date: Mar 13, 2015 Page 2 of 6

Important Information If your payments may vary in amount, we will tell you on each monthly billing
See your Cardmember Agreement. Your Cardmember Agreement contains statement when your payment will be made and how much it will be. You
all the terms of your Account. must ensure that sufficient funds are available in your bank account, and all
Lost or stolen cards. Report immediately! Call 1-800-347-3085. transactions must comply with U.S. law.
What To Do If You Think You Find A Mistake On Your Statement You can set automatic payments for: (i) statement New Balance, (ii) statement
If you think there is an error on your statement, write to us at: Discover, PO Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed
Box 30421, Salt Lake City, UT 84130-0421. You must write to us within 60 dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar
days after the error appeared on your statement. You may call us, but if you amount" payment is not enough to cover the Minimum Payment Due as listed
do we are not required to investigate any potential errors, and you may have on your monthly billing statement, your scheduled payment for that month
to pay the amount in question. The Billing Rights Notice further explains your will be increased to cover the Minimum Payment Due. If the scheduled
rights. Please see your Cardmember Agreement or visit payment is greater than the Minimum Payment Due, any excess will be
https://discover.com/billingrights for a copy of this notice. applied in accordance with your Cardmember Agreement. If your scheduled
payment is greater than the New Balance on your billing statement, that
Payments. You may pay all or part of your Account balance at any time. payment will be processed only for the amount of your New Balance. Your
However, you must pay at least the Minimum Payment Due by the Payment automatic payment amount may be less than the amount indicated on the
Due Date. Send only your payment and the bottom portion of this statement billing statement based on credits or payments after the Close Date.
in the envelope provided after affixing postage. Payments sent without proper
postage will be returned to the sender. Do not send cash. If you pay by If you enroll by phone in our automatic payment service, please fill-in the
check, you authorize us to use information on your check to make an following blanks below and retain the authorization for your records.
electronic fund transfer from your account at the financial institution indicated
on your check or to process the payment as a check transaction. If a payment Amount: Full Pay________ Min Pay________ Min Pay+ $____________;
is processed as an electronic fund transfer, the transfer will be for the amount Other Amount$_____________; Bank Routing #:__________________;
of the check. When we use information from your check to make an
Bank Account #__________________;
electronic fund transfer, funds may be withdrawn from your account as soon
as the same day we receive your payment, and you will not receive your Monthly on the Payment Due Date Close Date
check back from your financial institution.
___________Day of month (insert date)
The processing of your payment may be delayed if you send cash, corres-
pondence or other items with your payments, if you send the payment to any Credit Reporting. We may report information about your Account to credit
other address, or if you use an envelope other than the one provided. bureaus. Late payments, missed payments, or other defaults on your Account
Payments received in proper form at our processing facility by 5PM local time may be reflected in your credit report. We normally report the status and
on any day will be credited to your Account as of that day. Payments received payment history of your Account to credit reporting agencies each month. If
at our processing facility after 5PM local time will be credited to your Account you believe that our report is inaccurate or incomplete, please write us at this
as of the next day. If you have misplaced your envelope, send your payment address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please
to Discover, PO Box 6103, Carol Stream, IL 60197·6103. Please allow 7·10 include your name, address, home telephone number and Account number.
days for delivery. If your payment is returned unpaid, we reserve the right to
resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each
credited as of the day of receipt if made by midnight on the Payment Due billing period (at least 23 days for billing periods that begin in February). We
will not charge you any interest on Purchases if you pay your entire balance
Date or 5PM Eastern time on any other day. by the due date each month. We will begin charging interest on Cash
Advances and Balance Transfers as of the later of the Transaction Date or the
You can pay your monthly Minimum Payment Due, or a greater amount that first day of the billing period in which the transaction posted to your Account.
does not exceed your current Account balance, over the telephone or you can
setup automatic payments through a customer service representative by How We Calculate Interest Charges. We Use the Daily Balance Method
calling 1-800-347-3085.Automatic payments for the billing period shown on (including current transactions) to calculate the Balance Subject to Interest
Rate. For more information, please call us at 1-800-347-3085.
your statement will be deducted on the Payment Due Date shown on that
statement, or the next automatic payment date referred to on your statement, Balance Subject to Interest Rate. Your statement shows a Balance Subject
unless you request a recurring payment date (e.g., the 15th day of the month) to Interest Rate. It shows this for each transaction category. The Balance
that occurs before your Payment Due Date or Close Date. If your scheduled Subject to Interest Rate is the average of the daily balances during the billing
payment date falls on a weekend or bank holiday, your payment will be period.
processed the business day prior to the weekend or bank holiday. In order to
schedule monthly payments by telephone, you will need this statement and Credit Balances. If your Account has a credit balance, the amount is shown
your bank account information. You will be asked to provide the last four (4) on the front of your billing statement. A credit balance is money that is owed
digits of the social security number of the primary borrower. By providing to you. You may make charges against this amount if your Account is open.
those numbers as your electronic signature, you will be agreeing to this We will send you a refund of any remaining balance of $1.00 or more after
authorization to allow us and your bank to deduct each payment you 6 months, or as otherwise required by applicable law, or upon request made
authorize, in the amount selected by you, from your bank account. You also to the address in the Contact Us section on page 3 of your billing statement.
authorize us to initiate debit or credit entries to your bank account, as
applicable, to correct an error in the processing of such payment. You can Balance Transfers. Balance Transfers are offered at our discretion and
cancel a scheduled payment by phone at 1-800-347-3085 or by mail at accrue interest at the standard purchase rate unless we tell you otherwise.
Discover, PO Box 30421, Salt Lake City, UT 84130-0421; payment Discover may monitor and/or record telephone calls between you and
cancellations must be received before 5 PM ET of the scheduled withdrawal Discover representatives for quality assurance purposes.
date.
The Discover® card is issued by Discover Bank, Member FDIC. DIT23-24.0215

CHANGE OF ADDRESS
If correct on front, do not use. Please print clearly in blue or black ink, in the space provided.

Street Address Home Phone

Work Phone

City Email

State, Zip

To make changes to your address, email or telephone number, visit Discover.com

Continued on next page
 Discover it Card ®

Account number ending in 8022

Open Date: Feb 14, 2015 - Close Date: Mar 13, 2015
Page 3 of 6

CONTACT US
Web Mobile Phone Inquiry Mail Payments
Access your Manage your Discover Discover
account securely account anytime, 1-800-347-3085 PO Box 30943 PO Box 6103
at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream
m.Discover.com UT 84130 IL 60197-6103

Transactions
Trans. Date Post Date
Payments and Credits Mar 6 Mar 6 INTERNET PAYMENT - THANK YOU $ -121.00
Award and Rebate Credits Feb 15 Feb 15 REWARD STATEMENT CREDIT $ -9.81

Merchandise Feb 13 Feb 14 BEENVERIFIED*COM 888-579-5910 NY $ 22.86

BEENVERIFIED*COM
Feb 13 Feb 14 BUILDABEAR WRKSHP 0076 NEWARK DE 42.00
01350P
Feb 16 Feb 16 PET HEALTH PHARMACY 999-9999999 AZ 101.07
Feb 17 Feb 17 RITE AID NEWARK DE 16.19

Restaurants Feb 23 Feb 23 CHICK-FIL-A #01086 ABINGDON MD $ 7.63

Mar 1 Mar 1 DD/BR #303438 Q35 ELKTON MD 9.92
Mar 3 Mar 3 MCDONALD'S M5312 OF MD RISING SUN MD 16.01
Mar 5 Mar 5 BURGER KING #2529 ELKTON MD 11.21

Gasoline Feb 17 Feb 17 WAWA 860 NEWARK DE $ 27.33

Feb 24 Feb 24 WAWA 547 ELKTON MD 59.69

Services Mar 2 Mar 2 CELLAIRIS - CHRIST NEWARK DE $ 45.00

Fees TOTAL FEES FOR THIS PERIOD $ 0.00

Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00

2015 Totals Year-to-Date

TOTAL FEES CHARGED IN 2015 $ 0.00
TOTAL INTEREST CHARGED IN 2015 $ 0.00
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period:28 days
ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO
TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE
Purchases 0.00% $3,102.80 $0.00
Cash Advances 24.99% V $0.00 $0.00
Balance Transfers 0.00% $3,171.00 $0.00
V=Variable Rate

Information For You

For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com/interestcharges

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

LISA G VIBLE Account number ending in 8022 Open Date: Feb 14, 2015 - Close Date: Mar 13, 2015 Page 4 of 6

Information For You ... Continued

FICO® Credit Score Terms

Your FICO® Credit Score is based on data from TransUnion and may be different from other credit scores. This information is intended for and provided to
the Primary cardmembers only that have an available score and is provided on the statement for individual accounts and on Discover.com for individual and
joint accounts. See Discover.com/FICO about the availability of your score. Discover and other lenders may use different inputs like a FICO ® Credit Score,
other 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 States and other countries.

If you prefer not to receive your FICO® Credit Score on your statement, just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles
to process your request. To learn more, visit Discover.com

Availability of FICO® Credit Score

As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO ® Credit
Score include: if you have a joint account; 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 history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen,
closed, revoked, or charged off; if you have a foreign address; or if you have no account activity such as no purchase transactions, fees, interest, or payments
for approximately 30 days.

Your Billing Rights:

Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Discover
PO Box 30421
Salt Lake City, UT 84130-0421

In your letter, give us the following information:

· Account information: Your name and account number.
· Dollar amount: The dollar amount of the suspected error.
· Date: The date of the suspected error.
· Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

· Within 60 days after the error appeared on your statement.
· By 5:00 P.M. on the date of your scheduled automated payment withdrawal if you want to cancel or modify your payment. You must notify
us of any potential errors in writing. You may call us, but if you do we are not necessarily required to investigate any potential errors and
you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you in writing that we received your letter. We will also tell you if we have already
corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error and notify you in writing of the correction or explain to you in
writing why we believe the bill is correct.

While we investigate whether or not there has been an error:

· We cannot try to collect the amount and related interest in question or report you as delinquent on that amount.
· The charge in question may continue to appear on your statement.
· While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
· We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

· If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
· If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will
send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the
 Discover it Card ®

Account number ending in 8022

Open Date: Feb 14, 2015 - Close Date: Mar 13, 2015
Page 5 of 6

Information For You ... Continued

amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If
you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you in writing the
name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled
between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct
the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if
we own the company that sold you the goods or services, or if the company that sold you the goods or services owns us.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover
PO Box 30945
Salt Lake City, UT 84130-0945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

LISA G VIBLE Account number ending in 8022 Open Date: Feb 14, 2015 - Close Date: Mar 13, 2015 Page 6 of 6