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I've had the card about 15 months now and i've requested a few times a APR reduction but always told no. this morning i requested via chat to have my APR reduced and it was successful. i was told i had 2 options on the account. one of the offers was 0% for 12 months or the other option which i decided to take was a offer to take 18.76% which is an 4.73% permanent reduction. if i feel like i need the 0% i can always try again and see if the offer is there but i'm happier with a overall APR being lower than a temporary one.
Congrats! YMMV but I have heard that you can ask for one every 6 months
Congrats on your APR reduction!!!
@Anonymous wrote:Congrats! YMMV but I have heard that you can ask for one every 6 months
+1
Exactly what Discover reps said to me time and again.
I always opted every 6 months for the permanent APR reduction as opposed to the temporary 0% for the simple reason that the Prime rate will auto-climb as we get into the Federal Rate hikes for one, and another is that they ALWAYS will ask you the choice you prefer anyway and a longer term gradual reduction is more efficient for some than the opposite.
Congratulations!
thank you all for the kind comments. i really did want a permenent reduction vs temporary.
Congrats! I plan on asking for a reduction when my 0% is over