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@Anonymous wrote:I've tried two times to get discover to offer that to me and I've never had any luck. Don't get me wrong discover has done right by me by taking me from 6k( my highest card at the time) to 20k so I'm not complaining but they have refused to offer met hat 0 percent on purchases. Is there a timing trick to this?
Not sure if there is a timing trick to it but will tell you my experience with them, opened card May 2012, last Oct I called them to see what offers they had, only got 3.9% for a year as an offer. This year used chat to ask if there were any APR offers and they came back with those 2. My Fico scores have been pretty stable over the past 15 months at 760+ I see yours are higher than mine so no help there as far as scorewise.
@gdale6 wrote:Chatted today with Discover was offered the 0% for 12 months or reduction from 16.49% to 13.49% on regular APR, since I have 2 cards now with 0% still active thru next year I accepted the lower 13.49% APR offer. Thanks for posting this, I had forgotten to contact them on this a few months ago.
DW got the same offer. Don't have a 0% card right now, so she got the 0%. This is her second 0% offer.
I got a perm reduction last month, no 0% offer. They never offer 0% to me. Maybe next time, I'll wait until DW's offer is 6-9 months old.
I chatted last week and received a double APR offer 0% for new purchases for the next 12 mo, and a perm. reduction from 18.49% ---> 14.49%. I too, have rarely had a period in the past 3 yrs of having the card where I've actually been at a reg APR and not a 0% offer... my Discover!
Thanks for the info gdale. Yes, when i sasked for the 0 percent my ficos were a tad higher than they are now. I'll try next year.
Offered 0% for 12 months here as well. Should have been about due for an APR reduction, but hey 0% is nice around Christmas!
Hi humu, thanks for sharing this - I am in a interesting/somewhat challenging situation with my current balance and was thinking the odds of getting a back-to-back 0% promo were pretty bleak. Back-to-back not long after my most recent CLI tof $6.5k too, golly. Lets hope your particular promo perk is contagious! I'm going to hop onto the chat at some point and ask, if nothing else, I'll push for the APR reduction.
Called for an APR reduction and was offered the 0% for 12 months! None of my other credit cards offer this kind of promotion.
Received 0 % for 12 months! Thank you. So glad I'm back on this forum. I almost applied for a Barclays for the 0%, but just realized I can do this and be better off. Thanks again.
@FroggieMom wrote:I chatted last week and received a double APR offer 0% for new purchases for the next 12 mo, and a perm. reduction from 18.49% ---> 14.49%. I too, have rarely had a period in the past 3 yrs of having the card where I've actually been at a reg APR and not a 0% offer... my Discover!
Is this online chat? I keep looking, but can never find a chat button.
@Anonymous wrote:
@FroggieMom wrote:I chatted last week and received a double APR offer 0% for new purchases for the next 12 mo, and a perm. reduction from 18.49% ---> 14.49%. I too, have rarely had a period in the past 3 yrs of having the card where I've actually been at a reg APR and not a 0% offer... my Discover!
Is this online chat? I keep looking, but can never find a chat button.
click 'Help' up top then 'Help Center'
under Contact Us, you'll see 'Chat Live Now'