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Discover IT offer effect terms?

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MzKoli
Contributor

Discover IT offer effect terms?

Just wondering if anyone has any conjecture if whether you app for the 18mos0% BT with 6 mos 0% on purchases vs the 14 mos for both if it has any affect on interest rates?

What score range do you need to be in to get their top
tier(lowest rate) iinterest?

Message 1 of 8
7 REPLIES 7
Creditaddict
Legendary Contributor

Re: Discover IT offer effect terms?


@MzKoli wrote:
Just wondering if anyone has any conjecture if whether you app for the 18mos0% BT with 6 mos 0% on purchases vs the 14 mos for both if it has any affect on interest rates?

What score range do you need to be in to get their top
tier(lowest rate) iinterest?


Partners new card arrived today with 0% for 14 months and then a scale of 9.99%-19.99 (based on I don't know what, but that's what shows as possible) His.... 18.99% after the 14 months.... EQ Score from Discover = 770!

Message 2 of 8
MzKoli
Contributor

Re: Discover IT offer effect terms?

I selected the 18 mos offer EQ 757 I also got 18.99% .
Message 3 of 8
Creditaddict
Legendary Contributor

Re: Discover IT offer effect terms?


@MzKoli wrote:
I selected the 18 mos offer EQ 757 I also got 18.99% .

Credit Line? compared to your others?

Message 4 of 8
09Lexie
Moderator Emerita

Re: Discover IT offer effect terms?

I selected the 18 mo term. CL was only $2500.

Edit: 19.99%
Message 5 of 8
MzKoli
Contributor

Re: Discover IT offer effect terms?

This CL is my lowest @4.5k

09Lexie what was your fico if you dont mind?
Message 6 of 8
youngandcreditwrthy
Senior Contributor

Re: Discover IT offer effect terms?

18 month offer isn't bad! That's what Id do!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 8
jsucool76
Super Contributor

Re: Discover IT offer effect terms?

Seems like the longer offers for 0% mean higher interest rate. Did you guys all use the cardbuilder or something?

Message 8 of 8
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