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Discover adds new privacy protection for cardholders and banking customers

April 20, 2022
4 min read
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There were approximately 1.4 million cases of identity theft reported in the U.S. last year. The fact there are 540 registered data brokers — companies that find your information and sell it — isn't helping the situation.

In order to help Americans who worry about the release of their personal information online, Discover has added a new (free) tool for its customers. Discover's Online Privacy Protection is available in the mobile app, which you can download from Apple app store or Google Play store for Android users.

How Discover's privacy protection Works

Users need to enable this new privacy protection in the Discover mobile app. It's available for credit card and banking customers, and the new tool is free.

Once you enable the tool, it will search 10 common websites that collect and sell personal information online. This includes data like your name, address(es), age and phone numbers, and it covers the following websites:

  • BeenVerified.com.
  • Intellius.com.
  • Yellowpages.com.
  • Addresses.com.
  • PeopleLooker.com.
  • AnyWho.com.
  • InstantPeopleFinder.com.
  • PeopleSmart.com.
  • USsearch.com.
  • ZabaSearch.com.

Related: How to protect yourself against reward program data breaches

Discover will automatically search these sites every 90 days using the personal data registered in your Discover account. If matches are found on these websites, an opt-out request is submitted on your behalf — automatically — to remove your personal information from the websites.

Note that this benefit is being rolled out in stages over the coming weeks, so you may not initially see it available.

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How this tool can help you

(Image courtesy of Getty Images via IGphotography.)

What does this mean for you? How will finding your information on these websites and submitting an opt-out request make a difference?

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In March of 2022, 11.6 billion scam text messages were sent on U.S. wireless networks. Removing your phone number from these websites can cut down on spam calls and texts.

Moreover, the websites selling your information aren't immune from data breaches, further exposing your information to unknown sources. Thus, removing your personal data can reduce your risks for identity theft. Prevention is much better than the work required after your identity has been stolen.

Just ask my parents.

Several years ago, they found out someone had opened credit cards in both of their names. Now, it's a constant struggle any time they open a bank account or apply for a new line of credit. They have to go through extra verification to prove it's really them — plus they have spent hours and hours getting things removed from their credit reports.

Discover's new privacy protection feature will look for your information and automatically request removal on your behalf. This can save hours of your time by not having to do it manually on your own — and with less of your personal details out there, it may prevent future issues with your identity being stolen.

Related: 5 steps to take when your personal information is compromised

Bottom line

Discover conducted a survey in late March 2022 and found that 83% of consumers expressed concern over the misuse of their personal information, while 31% believed they have no control or not much control over that data. The new Online Privacy Protection tool is the issuer's response to these concerns, and it's free to those who have a bank account or credit card with Discover.

You can access this tool in the Discover mobile app, and once enabled, it'll scan for your data every few months — and automatically submit removal requests on your behalf.

Featured image by (Photo by Hannah Wei/Unsplash)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
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Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
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Rewards Rate

5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.
  • Intro Offer
    The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

    Earn 150,000 points
    120,000 points
  • Annual Fee

    $695
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.