Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

APR reduction from Discover

Went from 23.99 to 18.99 with a phone call :smileyhappy:

Interest rate has always been high on this account but I've been calling and getting it reduced every six months for the last 2 years

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011

Re: APR reduction from Discover

I might try that myself next month!!! CONGRATS!!!

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,375
Registered: ‎08-07-2007

Re: APR reduction from Discover

Awesome!!! I plan on doing the same thing. Congrats to you!!
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: APR reduction from Discover

Nicely done, Congrats on the reduction in APR. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Posts: 26,593
Registered: ‎09-13-2012

Re: APR reduction from Discover

Established Contributor
Posts: 591
Registered: ‎05-05-2012

Re: APR reduction from Discover

Well done! Maybe I should call them up to lower mine. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013

Re: APR reduction from Discover

Congrats to you

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13

Valued Contributor
Posts: 1,374
Registered: ‎01-14-2009

Re: APR reduction from Discover

Congrats! I wonder what is the absolutely lowest APR they would give. The APR on my Discover it card is currently 10.99%.

New Member
Posts: 6
Registered: ‎09-02-2012

Re: APR reduction from Discover

[ Edited ]

Month ago I was getting mails pre approvals . 12.99 - 15.99 APR . This month my report has been updated FICO EQ 723. I went to Discover IT pre-approval site. GOT 9.99% That's is minimum  I think. 0%par for 14 month pr and 0% for 14 Balance tr. + 9.99% after.  Even web site states 10.99 - something . So here you go 9.99% =) I have clear History just 1 year 2 month something =) If this help someone also after pre-approval I clicked apply now > redirected all what I can see is my name, social , info about product and submit button. Even there is no space for Annual income LOL ?= )) I am holding my hands and will apply for PENFED, Then AMEX 250$ sign in bonus via creditcard match, then DIcover IT =) . Thanks everyone on this Forums.

Regular Contributor
Posts: 156
Registered: ‎07-11-2012

Re: APR reduction from Discover

Nice reduction!


Certainly beats my whopping reduction I got from Citi last month, 16.99% alllllll the way down to 16.24%... :smileyvery-happy:


ugh. I'll try again in 6 months!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)

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