cancel
Showing results for 
Search instead for 
Did you mean: 

APR reduction from Discover

Moderator Emeritus

APR reduction from Discover

Went from 23.99 to 18.99 with a phone call Smiley Happy

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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 1 of 10
9 REPLIES
Mega Contributor

Re: APR reduction from Discover

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



EQ FICO 548 3/3/16
Message 2 of 10
Valued Contributor

Re: APR reduction from Discover

Awesome!!! I plan on doing the same thing. Congrats to you!!
Message 3 of 10
Valued Contributor

Re: APR reduction from Discover

Nicely done, Congrats on the reduction in APR. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 10
Moderator Emerita

Re: APR reduction from Discover

Message 5 of 10
Established Contributor

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. |
Message 6 of 10
Super Contributor

Re: APR reduction from Discover

Congrats to you

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 10
Valued Contributor

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%.

Message 8 of 10
New Member

Re: APR reduction from Discover

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.

Message 9 of 10
Regular Contributor

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%... Smiley Very 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)
Message 10 of 10