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Discover APR reduction...

Established Contributor

Re: Discover APR reduction...

I've had my Discover since 1991.  APR is 12.99%.  Not the greatest, but it could be a lot worse.

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 21 of 28
Valued Member

Re: Discover APR reduction...

MarineVietVet is doing it right at apr 9.99%. Did you whittle it down over time or was that an issue apr? Any amount more than apr 10% is just wrong! To PIF is good but some times life gets in the way. You just never know.

No interest in low interest rate credit cards?
Message 22 of 28
Moderator Emeritus

Re: Discover APR reduction...


MoneyPurchaseOptions wrote:

MarineVietVet is doing it right at apr 9.99%. Did you whittle it down over time or was that an issue apr? Any amount more than apr 10% is just wrong! To PIF is good but some times life gets in the way. You just never know.


It's been higher than that but I can't recall the exact amount. I never asked for an APR reduction. For some reason they reduced it on their own.

But it did go from a fixed rate to a variable rate.

Message 23 of 28
Super Contributor

Re: Discover APR reduction...

Even my Cap One is at 9.50% fixed




Message 24 of 28
Mega Contributor

Re: Discover APR reduction...


Middleswarth wrote:

3.99% for the first 6 months then it goes to 22.9%.  That's okay though because they will never get a penny of interest from me.  PIF every month.  Smiley LOL


Same here. coming up on 6 months next month so no more carrying a balance! Smiley Happy

 




EQ FICO 548 3/3/16
Message 25 of 28
Mega Contributor

Re: Discover APR reduction...


RockinRay wrote:

MarineVietVet wrote:

RockinRay wrote:

I called Discover this to ask about a rate redution.

 

My current APR was 19.99%. They lowered **bleep** to 16.24%.

 

Just wondering if this si a good rate for Discover? What kind of rates do  other forum mmbers have?


MIne is at 9.99%. (Why don't they just make it an even 10%????) 


LOL - the same game as they play with gasoline... $3.4999999999 sounds much better than $3.50! Makes me think I am getting a deal...  Smiley Happy


Very true!!!!! Smiley Very Happy

 




EQ FICO 548 3/3/16
Message 26 of 28
Established Contributor

Re: Discover APR reduction...

Ray,

With the card line-up you have and some of the great APR'S I'm sure that come with them, you probably wouldn't have a hard time getting DISCOVER to compete.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 27 of 28
Highlighted
Mega Contributor

Re: Discover APR reduction...


gettnthere wrote:
Ray,

With the card line-up you have and some of the great APR'S I'm sure that come with them, you probably wouldn't have a hard time getting DISCOVER to compete.

I agree, and if they don't just use for the categories and nothing else.

 




EQ FICO 548 3/3/16
Message 28 of 28