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‘Freeze’ your Discover card

By Jeanine Skowronski ·
Wednesday, April 15, 2015
Posted: 10 am ET


Are your prone to leaving your credit card at your favorite restaurant? Or forgetting your wallet at work?

Good news for you, Discover just launched a feature that could minimize the stress associated with those scenarios. Beginning today, the issuer's personal credit cardholders will be able to turn their plastic "on" and "off" via their smartphone or desktop whenever they misplace it.

Why should you care?

The feature, called "Freeze It" is intended to provide peace of mind to consumers, particularly in situations like the ones described above.

Cardholders "know where the card is," but they can't get to it right away, says Julie Loeger, senior vice president of marketing for Discover. "They want to be able to manage that window of time in a way that is easy."

The ability to turn your card "on" and "off" precludes you from having to cancel and get a new card, but still minimizes the chances of incurring fraudulent charges.

The rest of the story

Freeze It's on/off switch applies to new purchases, cash advances and balance transfers. It does allow some account activity to continue. For instance, bills marked as recurring by merchants, returns and rewards redemptions still will be processed when a card is "off." Cardholders will receive alerts if a transaction is declined while their accounts are frozen.

The service can be activated via the issuer's mobile app, online or by calling 1-800-Discover. It is currently unavailable to Discover business customers, though Loeger says that will change at some point.

Freeze It is meant to complement a host of other security features Discover provides customers, Loeger says. These features include a zero-liability guarantee, 24/7 card monitoring, email and text alerts when a purchase is made over a specified threshold and new Europay, MasterCard and Visa, or EMV-chip technology.

Discover is the only major credit card issuer to provide this type of feature.

"We have a patent pending," Loeger says.

Still, similar solutions could hit the marketplace in the future. Card security remains a major concern among credit card issuers (who generally foot the bill for fraudulent charges) and a few financial technology companies have been marketing similar solutions to banks and credit unions over the last year.

Would you use Discover's new service? Let us know in the comments below!

Follow me on Twitter: @JeanineSko.

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Richard Kaldwell
December 15, 2015 at 12:18 pm

IF you want comments why don't you answer them?This freeze it is good but you don't tell us how to aquire it,

Richard Kaldwell
November 27, 2015 at 1:41 pm


Richard Kaldwell
October 24, 2015 at 3:27 pm

cant aquire the freeze APP

Richard Kaldwell
September 10, 2015 at 2:10 pm

Yes if I can access the app,site
have been trying for 3 weeks and cant seem to get it.

Richard Kaldwell
August 30, 2015 at 5:50 pm

Yes I would,if I can get he app,does the 800 number give it us?

May 17, 2015 at 1:28 am

I would use it

Joseph L. Sexton
April 27, 2015 at 3:54 pm

I'm wondering IF there are ANY hidden fees ??????

Henry Chia
April 24, 2015 at 10:30 pm

It's a great idea to prevent unauthorized use. However, most times, cardholders are unaware that they have misplaced the card until they are notified by the card company. A feature to be in place together with the "Freeze It" is for cardholders to be able to preset an amount or transaction type, above which he is notified on his mobile phone. This will then trigger the cardholder for unauthorized use and activate the "Freeze it" feature till the card is returned or a new card is issued.

Morris Cox
April 21, 2015 at 5:47 pm

How do I sign up for this?