To access the Account Center, you need to create a user ID and password. To help ensure that only you can view your Account information:

• Never reveal your password to anyone
• Keep your password secret
• Change your password periodically

Find out more in the Account Center User ID and Password FAQ.

Since sending personal information via traditional e-mail is not completely secure, we created a safe way to send messages and Account-related requests to our Customer Service representatives. To contact Customer Service via e-mail:

1. Log in to the Account Center.
2. Go to the Customer Service section of the Account Center and click on the "General Question or Comment" link found under Contact Us. Most questions will be answered within twenty-four hours.

If you don’t log out of the Account Center, you could potentially allow others using the same computer to access information saved or cached in the memory of the browser. When you are ready to leave the Account Center always:

• Log out by clicking the "Log Out" link at the top of the page
• Close your browser’s window before you leave the computer as an extra precaution

Online scams—such as "phishing" and "pharming"—use official-looking messages or Web pages to deceive you into disclosing your sensitive personal information. A phishing e-mail tries to direct you to a "look-alike" Web site of a legitimate business and trick you into thinking that you are responding to a valid request. Pharming occurs when hackers disrupt the transfer of information on the Internet and point you to a fraudulent Web site.

Here are some ways to avoid getting caught by online scams:

• Do not provide your vital Account information by e-mail or phone unless you initiated the contact. Discover Card will never send an e-mail asking you to reply with your Account or personal information.
• Do not click any links in a suspicious e-mail. Even if you don't provide your Account information at the phony Web site, just clicking the link could initiate virus installations. Once installed, these viruses could capture your identification, password and Account information and then transmit them.
• Check the URL often and if it is not Discovercard.com or Novusnet.com, close your browser window immediately.
• Add the Discovercard.com Account Center Log In page to your browser's Favorites or Bookmarks menu and use it when you navigate to the site.
• When sending private information, make sure to look for a closed lock at the bottom of most browsers. If you are unsure that a secure Web site is legitimate, check the certificate by clicking on the lock. See Navigating the Web Safely for more information.

If you encounter what you think is a fraudulent Discover Card e-mail or Web site, please call 1-800-DISCOVER (1-800-347-2683) immediately. A Customer Service Representative can verify whether or not the e-mail was actually sent by Discover Card or help you determine if the site you visited was legitimate.