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Advertisers of the Discover Card TV Spot, 'Shoot: Missed Payment'

Discover Card TV commercial - Shoot: Missed Payment
Discover Card

Discover Card is an American financial services company that provides credit cards, checking and savings accounts, and personal loans. The company was founded in 1985 by Sears, Roebuck, and Co., and i...

What the Discover Card TV commercial - Shoot: Missed Payment is about.

Discover Card TV commercial - Shoot: Missed Payment

In the bustling, vibrant cityscape of New York, a young woman named Emma finds herself in a predicament that could potentially jeopardize her financial stability. This is the story of "Shoot: Missed Payment," a riveting TV spot by Discover Card that takes viewers on an emotional rollercoaster.

The spot opens with Emma strolling down a bustling street, the sunlight casting a warm glow on her determined face. She carries a basketball in her hands, a symbol of her determination and resilience. As she walks past a street vendor, her eyes catch sight of a massive billboard displaying the words "Discover Card: Empowering Financial Freedom."

Curiosity piqued, Emma stops and gazes up at the billboard. It is then that the camera zooms in, capturing her expression transitioning from curiosity to determination. She clutches her basketball tighter, and a voiceover echoes through the city air, "When life throws you challenges, Discover Card has your back."

The scene transitions into a flashback of Emma sitting at her kitchen table, surrounded by bills and a laptop displaying her Discover Card account. Anxiety creeps into her face as she realizes that she has missed a payment. The familiar due date had slipped her mind in the midst of her busy schedule. The weight of her mistake weighs heavily upon her, and she slumps in disappointment.

Returning to the present, Emma's eyes reflect sheer determination as she ventures into a dimly lit basketball court. The sound of a ball hitting the ground reverberates through the quiet space as she prepares to take a shot. With a deep breath, she dribbles the ball, her focus intensifying with each heartbeat.

As she releases the ball, time slows down, capturing her every movement in exquisite detail. The ball soars through the air, the echoes of her missed payment echoing in her mind. The world holds its breath, waiting for the outcome, as the ball bounces ever closer to the hoop.

With a resounding swish, the ball hits nothing but net. A sense of accomplishment washes over Emma's face, and a smile lifts her spirit. The voiceover returns, emphasizing Discover Card's commitment to assisting their customers in overcoming financial obstacles, saying, "Discover Card: Helping you score victory over unexpected hurdles."

Back in the present, Emma's smile lingers as she walks confidently towards the camera. The scene transitions once again, this time revealing her in a vibrant café, laptop open with her Discover Card account displayed on the screen. Her missed payment has become a thing of the past,

Discover Card TV commercial - Shoot: Missed Payment produced for Discover Card was first shown on television on December 26, 2012.

Frequently Asked Questions about discover card tv spot, 'shoot: missed payment'

Credit card delinquency happens when you don't pay your card for 30 days or more. If your card is delinquent, you can have your credit card account suspended, revoked, or charged off, depending on how long the account is unpaid.

A late credit card payment could result in late fees, a penalty APR, and a negative impact on your credit score. You can set up payment alerts to help remember to pay by your due date. Budgeting is a good way to ensure that you have the funds to cover your credit card payment.

After more than 30 days past due, the credit card issuer may also report your account to credit reporting agencies, which may affect your credit score. If you haven't paid your credit card for more than 60 days, you may also be charged an interest rate penalty, meaning your APR could go up, according to the CFPB.

We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days. Due by the Payment Due Date, we will charge you a Late Fee. The fee is $28 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $39.

approximately seven years Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years.

There are three main ways a late or missed payment can impact you financially: You can be charged late payment fees. You may face having the interest rate on your card raised to the penalty rate. Your late payment may be added to your credit history and can end up affecting your credit score.

Even a single late or missed payment may impact credit reports and credit scores. Late payments generally won't end up on your credit reports for at least 30 days after you miss the payment. Late fees may quickly be applied after the payment due date.

After missing a payment, you'll likely see two charges: a late fee and interest on the balance. If the missed payment was an accident, we recommend paying off the balance and immediately calling your issuer to explain that you made an innocent mistake.

seven years How long do late payments stay on your credit report? Late payments remain on your credit reports for seven years from the original date of the delinquency. Even if you repay overdue bills, the late payment won't fall off your credit report until after seven years.

A payment will typically need to be 30 days late before it's reported to the credit reporting bureaus. An overlooked bill won't hurt your credit as long as you pay before that 30-day mark, although you may have to pay a late fee.

Even a single late or missed payment may impact credit reports and credit scores. But the short answer is: late payments generally won't end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees.

Even a single late or missed payment may impact credit reports and credit scores. But the short answer is: late payments generally won't end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees.

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Agenices

Agenices of the Discover Card TV Spot, 'Shoot: Missed Payment'

Discover Card TV commercial - Shoot: Missed Payment
Spark Foundry

Spark Foundry is a global media agency that specializes in data-driven advertising solutions that drive business results. The company has a rich history, having been founded in 2018 as a rebranding of...

Discover Card TV commercial - Shoot: Missed Payment
The Martin Agency

The Martin Agency is a full-service advertising agency based in Richmond, Virginia, United States. The company was founded in 1965 by David Martin and has since grown to become one of the leading adve...

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