Discover APR reduct success + 0% /1yr offer! :)

[pizza1]

AWESOME!! 

Called into Discover to see about getting an APR reduction since Ive had my card for a year now.....Lady congratulates me, and thanks for me for being a great customer, and handling my acct well (great CS btw)....and to my surprise I was eligible!!!  

APR reduced from 23.99%......to.......18.49%!!!  plus an an offer of 0% for 1yr if I wanted to carry a balance on a bigger purchase. 

I know that apr is  still high, but definitely a step in the right direction for me in my rebuild! Im pleased with the outcome.

[Closingracer99]

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@pizza1 wrote:

AWESOME!! 

Called into Discover to see about getting an APR reduction since Ive had my card for a year now.....Lady congratulates me, and thanks for me for being a great customer, and handling my acct well (great CS btw)....and to my surprise I was eligible!!!  

APR reduced from 23.99%......to.......18.49%!!!  plus an an offer of 0% for 1yr if I wanted to carry a balance on a bigger purchase. 

I know that apr is  still high, but definitely a step in the right direction for me in my rebuild! Im pleased with the outcome.

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Better than what I got lol. I went from 18.99 to 17.24%.

[Anonymous]

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@pizza1 wrote:

AWESOME!! 

Called into Discover to see about getting an APR reduction since Ive had my card for a year now.....Lady congratulates me, and thanks for me for being a great customer, and handling my acct well (great CS btw)....and to my surprise I was eligible!!!  

APR reduced from 23.99%......to.......18.49%!!!  plus an an offer of 0% for 1yr if I wanted to carry a balance on a bigger purchase. 

I know that apr is  still high, but definitely a step in the right direction for me in my rebuild! Im pleased with the outcome.

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high or not it beats crapital ones 25%!  enjoy the 0% and categories, maybe go on a road trip!

[pizza1]

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@Anonymous wrote:

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@pizza1 wrote:

AWESOME!! 

Called into Discover to see about getting an APR reduction since Ive had my card for a year now.....Lady congratulates me, and thanks for me for being a great customer, and handling my acct well (great CS btw)....and to my surprise I was eligible!!!  

APR reduced from 23.99%......to.......18.49%!!!  plus an an offer of 0% for 1yr if I wanted to carry a balance on a bigger purchase. 

I know that apr is  still high, but definitely a step in the right direction for me in my rebuild! Im pleased with the outcome.

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high or not it beats crapital ones 25%!  enjoy the 0% and categories, maybe go on a road trip!

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I doubt ill use the 0% for 1 yr thing, Ive been PIF for 2 /12 yrs since my BK..  Im nervous to try anything different, lol..I dont want it to set off red flags with any of my lenders.  Discover said it wouldnt be a red flag to them at all, and commended me for wanting to be cautious lol, but said theyre just fine it. 

[Anomalous]

Every bit helps! Congratulations!

[9CLINE]

Congrats,,,
Discover has been great about lowering Aprs. for me ~every 6mths
I have also used the 0% offers various times w/ no problems,plus they seem to run promos alot.. ..they have been great in the years I've been w/them....

[pizza1]

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@9CLINE wrote:
Congrats,,,
Discover has been great about lowering Aprs. for me ~every 6mths
I have also used the 0% offers various times w/ no problems,plus they seem to run promos alot.. ..they have been great in the years I've been w/them....

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Thanks 9cline!  That is good too know.

[NRB525]

Congratulations! I have a 0% BT and the 0% Purchases at the same time, which makes it easier to pick off category items with no added cost.

You really should try to take advantage of the actual 0% APR, even if just by making your regular spend, and then just over the minimum payments, you know, for show. I am a believer that nibbling at these offers leads to continued and perhaps better offers down the road, and Discover is one of the most... No, Discover is THE MOST frequent "nice offer" provider. It pays financially to work those offers, not just APR but spend bonus as well.

[SunriseEarth]

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@pizza1 wrote:

AWESOME!! 

Called into Discover to see about getting an APR reduction since Ive had my card for a year now.....Lady congratulates me, and thanks for me for being a great customer, and handling my acct well (great CS btw)....and to my surprise I was eligible!!!  

APR reduced from 23.99%......to.......18.49%!!!  plus an an offer of 0% for 1yr if I wanted to carry a balance on a bigger purchase. 

I know that apr is  still high, but definitely a step in the right direction for me in my rebuild! Im pleased with the outcome.

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Sounds like a good offer to me!   Congrats on progress!

[Kevin86475391]

That's fantastic, congrats! It's reasons like this why Discover remains my favorite lender!

On a different note, you received both the permanent APR reduction and temporary 0% APR? I called last year about an APR reduction too, and got it, but I remember the lady saying something like, "We have two offers for you..." and it was the permanent APR reduction and the 0% temp, and I remember being like, "Ohh, I'll take the permanent reduction." because I was thinking it was an either/or type thing. LOL, but now I'm wondering if they were offering me both and I just didn't realize it.

Oh well, I PIF anyway so I guess it wouldn't have mattered.