They address key issues such as the services available to the cardholder; the cardholder`s obligations to the issuing entity; interest rates, penalties and other costs that may be incurred in different circumstances; and the methods of handling disputes between the cardholder and the issuer, if they occur. Think of one thing in Discover`s agreements. Somewhere, it will be said that they must first warn you before complaining, to give you time to heal. Locate. If you see it, you argue in defense that DIsocver did not fulfill a condition precedent. Once, I stopped a msj with this one. In October 2004, the Supreme Court upheld a ruling in discover`s favour that challenged Visa and MasterCard`s exclusion guidelines and found that Mastercard and Visa were in violation of antitrust rules. Prior to this ruling, Visa and MasterCard did not allow banks to issue a Discover or American Express card when issuing a Visa or MasterCard. Within days of the Court`s ruling, Discover filed an appeal in Federal Court seeking damages from Visa and MasterCard. If you have any questions about the agreements yourself, contact the card issuer directly. Although the cashback feature has been attractive to consumers, Discover has slowly established itself among merchants; At first, only major airlines and car rental companies – and of course large retailers like Sears – accepted it. But it gradually increased in popularity. Agreements with foreign payment networks in the mid-2000s, such as Japan JCB and China UnionPay, greatly increased its use abroad (in fact, it is the most widespread card in China).