How to Get Your Discover Credit Balance Refunded

Learn how to get your Discover credit balance refunded quickly and easily. We’ll walk you through the process step-by-step.

Have you ever paid off your credit card balance, only to find out a few days later that you were overcharged? If so, you may be wondering if it’s possible to get a refund for the overpayment.

The good news is that yes, Discover does issue refunds for credit balances. Here’s what you need to know about the process.

What Is a Discover Credit Balance Refund?

A credit balance refund is a reimbursement from your credit card issuer for the overpayment on your credit card. For example, let’s say you have a Discover card with a $1,000 balance and you make a payment of $1,100.

If Discover processes the payment and applies it to your account, you will have a credit balance of $100. In this case, you would be eligible for a refund of that $100.

How to Request a Discover Credit Balance Refund?

How to Get Your Discover Credit Balance Refunded
Don’t let discover bait and switch you! Find out how to get your credit balance refunded.

If you think you are due a refund from Discover, you can request one by calling customer service or sending a mail.

Let’s discuss both methods in detail:

Call Discover Customer Service

Requesting a refund for your negative balance on a credit statement is an easy process. Simply call Discover customer service at 1-800-347-2683 and request to have the balance refunded to the original payment method or as a check sent to your mailing address.

Keep in mind that it may take up to five business days for the refund to show up on your account or in your mailbox. Don’t wait any longer – start the simple process of requesting a Discover credit balance refund today!

Request a Refund by Mail

If you would prefer to request a refund by mail, you can do so by sending a letter to the following address:

Discover Financial Services

P.O. Box 30943

Salt Lake City, UT 84130-0943

In your letter, be sure to include your name, account number, and the reason you are requesting a refund. You should also specify how you would like to receive your refund (original payment method or as a check).

As with calling customer service, it may take up to five business days for your refund to be processed.

How Long Does It Take to Get the Refund?

Once Discover receives your request for a refund, they will typically issue the refund within 7-10 business days. The refund will come in the form of a check, which will be mailed to the address on file for your account.

If I have a negative balance on my account, what happens to future purchases?

If you have a negative balance on a credit card, it means that you have paid more than your current purchases or fees required. This can happen if you make a one-time overpayment or if your payments consistently exceed what you owe. In either case, any future purchases will be credited towards reducing this negative balance until it is back at zero.

For example, if your negative balance is $50 and you make a purchase for $20, the remaining $30 will stay in your account as an available credit. Keep in mind that interest may still accrue on any credit balance, so it’s important to keep an eye on your account and make timely payments to avoid unnecessary fees.

And while a negative balance may seem like a good thing at first, it’s still important to budget responsibly and only spend within your means.

I paid more than I owed on my Discover credit card. Do I need to request a refund?

Did you accidentally pay too much on your Discover credit card? Don’t worry, you may be able to get a refund! According to the Credit CARD Act of 2009, if you have a negative balance for six months or more, credit card companies are required to offer you a refund.

So, keep an eye on your statement and make sure to request a refund if it looks like you’ve paid more than necessary. It’s always good to make sure your account is accurate and up-to-date, so don’t hesitate to reach out and ask for a refund if applicable. Plus, who doesn’t love getting their money back?


If you’ve ever been overcharged on your Discover card, don’t worry—you can get your money back! A credit balance refund is a reimbursement from Discover for any amount that you’ve paid over your current balance.

You can request a refund by calling customer service or sending a written request to Discover Financial Services. Once your request is processed, you should receive your refund check within 7-10 business days.

Do you have any other questions about credit balance refunds? Let us know in the comments below!

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.