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Discover APR reduction...

Senior Contributor

Re: Discover APR reduction...

@ marty56,

 

"Nobody knows you when you're down and out" Jimmy Cox, 1923 Smiley Happy

 


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 11 of 28
Valued Contributor

Re: Discover APR reduction...


CS800 wrote:

Mine is at 19.99 too, i assume there was no HP or SP to get the APR lowered?


Nope - just an account review...

Ray

** Every Card has a Job, and Every Card does its Job **
Message 12 of 28
New Contributor

Re: Discover APR reduction...

My APR is 10.99%.

 

I'll call one of these weeks to see if they'll lower it.

~~Credit Cards~~
Alliant Platinum Rewards Visa, AmEx BCP, BofA Power Rewards, Bank of the West Platinum, Barclay Rewards World MC, Chase Freedom/Chase Sapphire Preferred, Citi Thank You Preferred/Citi Dividend Select, Discover IT, FNBOmaha, Paypal MC, US Bank Cash+/US Bank Perks+.

Total: $300,000+ in lines.
Message 13 of 28
Frequent Contributor

Re: Discover APR reduction...

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

Message 14 of 28
Moderator Emeritus

Re: Discover APR reduction...


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%????) 

Message 15 of 28
Established Contributor

Re: Discover APR reduction...

0% on purchases for 15 months, 9.9% on balance transfer for 18 mos, 18.99% thereafter...will ask that it remain at 9.99% after the promotional period.

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 16 of 28
Valued Contributor

Re: Discover APR reduction...

I think my go to rate is 14.99%, currently on a 0% for 15 months offer. They won't review it for reduction until after the promotional APR expires.

Message 17 of 28
Regular Contributor

Re: Discover APR reduction...


RockinRay wrote:

 What kind of rates do  other forum mmbers have?


I've been a cardmember since '08 and my APR is 17.24%. I always PIF.

Message 18 of 28
Established Contributor

Re: Discover APR reduction...

My 3.99 APR just ran out Smiley Sad
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 19 of 28
Valued Contributor

Re: Discover APR reduction...


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

Ray

** Every Card has a Job, and Every Card does its Job **
Message 20 of 28