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A couple of weeks ago, I got a Discover It card with a CL of $4,500 and the 0% APR for 14 months and then my APR would be 14.99% thereafter. Here's the thing, I just received a pre-approval in the mail for a Discover It card with the same 0% APR offer for 14 months and the APR would be 10.99% afterwards. I would definitely like to have the lower interest rate, no doubt about it. What should I do? Should I complete the pre-approval application and apply for another Discover It card or should I call Discover and bring it to their attention in the hopes that they would lower my APR from 14.99% to 10.99% once my initial 0% offer is up? I appreciate any suggestions.
Just keep the account in good standing.
When the promo period ends, you can call them to adjust your APR. I tried calling in a couple weeks ago and they said they can't do anything until my promo period ends.
If you apply for another card now it will be another inquiry + new account reporting, so it's not really worthwhile in my opinion.