By using PayPal you won't have to replace your bank card (debit/credit). Obviously PayPal, or your bank will investigate and return your funds but that can take awhile. You can then get Discord to eventually refund unauthorized transactions just don't expect it to be promptly processed. NOTE: to assure safety regarding subscriptions, etc I suggest you use a payment service such as PayPal where you can terminate the ability of someone from racking up additional charges your account once your aware. This was the single worst instance of incompetence I've ever experienced from an IT development corporation. With Discord there is no support past Level 1 and thus you cannot expect anything but corporate claptrap when they respond. I've had situations where a customer service representative was unable to assist due to the nature of level 1 support and on occasion required escalation to higher capable support levels. And yet, such simple tasks such as recovering an account is beyond their capacity and capabilities.
So this multi-billion dollar organization will take days, perhaps weeks to attempt to give assistance. They give what little support they can via email. To begin Discord has no live support via voice nor even online chat. Someone would expect a corporation with 100 million plus endusers to have a fairly adequate support organization think again.
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