Discover APR rate

[Shelly13]

I called Discover to see if they would lower my APR from 22.99%. (I've been a customer too for a year). They said they couldn't, but they would give me 0% APR for a year. Which is awesome! I wasn't offered that when I opened my account last year because of my credit file.

I just wanted to share.

[MissMoni223]

CONGRATS, that definitely makes me want to give them a call!!!

[Shelly13]

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@MissMoni223 wrote:

CONGRATS, that definitely makes me want to give them a call!!!

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The worst they can or any card company can tell you is "No."  At least other than that there is no real reprucations for asking.  

[Anonymous]

Congrats! Does anyone know if they'll give you 0% APR for a year even though I had it when I first opened my card? LOL. I'll try to give them a call soon.

[Zz_JC_zZ]

Congrats!

[Anonymous]

Discover has, imo, some of the best CS in the entire industry, if not the best.

Congrats

[-Furbz-]

if they do, let us know so i can call them! 

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@Anonymous wrote:

Congrats! Does anyone know if they'll give you 0% APR for a year even though I had it when I first opened my card? LOL. I'll try to give them a call soon.

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[MJ-san]

Every 6-12 months you should call back ... I've gotten them down from 14.99 to 10.49 over 3 years. 

[Anonymous]

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@Anonymous wrote:

Congrats! Does anyone know if they'll give you 0% APR for a year even though I had it when I first opened my card? LOL. I'll try to give them a call soon.

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Yes. They will.

We've had 3 0% promo's on the wife's Discover card. The initial one was 12 months 0%, the second one was 6 months 0% for a CS oversight, the third was last year when we PC'd to a Discover It. 12 more months at 0%.

[score_building]

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@Anonymous wrote:

Congrats! Does anyone know if they'll give you 0% APR for a year even though I had it when I first opened my card? LOL. I'll try to give them a call soon.

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Yes, they may, when you call to ask if a lower APR is account eligible, they'll let you know what offer, if any, is available for e.g. 3.99 for 6 months, 0 for 12 months, etc