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Discover More auto APR decrease

Valued Contributor

Re: Discover More auto APR decrease

LS! What did you do to Discover to get on the naughty list?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 11 of 17
Established Contributor

Re: Discover More auto APR decrease

Makes me want to go online and check my statements also.. Even though I pay in full every month so I guess it really doesn't matter. Many carry a balance with the department store cashback rewards though.


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 12 of 17
Established Contributor

Re: Discover More auto APR decrease

I just got an auto CLI, but I won't be able to check if there's a change in APR until the next statement cuts.  It would be nice, because I have the worst APR they offer: 22.9%. It doesn't matter, because I always PIF on this card, but I'd like to see some progress that reflects my improved credit situation.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 13 of 17
Valued Contributor

Re: Discover More auto APR decrease

You can check your current APR in real-time by checking balance transfer offers, which will reveal your current APR. My APR also went down 4% but still too high.

Message 14 of 17
Established Contributor

Re: Discover More auto APR decrease


mxp114 wrote:

You can check your current APR in real-time by checking balance transfer offers, which will reveal your current APR. My APR also went down 4% but still too high.


Thanks for the tip.  Mine is still 22.9%.  I guess they are still skittish for some reason.  Oh, well.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 15 of 17
Valued Contributor

Re: Discover More auto APR decrease

We never carry a balance, so it doesn't matter...but it IS frustrating. Just got an online CLI to $14,000k. Been a cardholder since the 80's. Interest rate 20.99%.

 

They are not very good at rewarding long-time successful cardholders. They called us once to ask why we don't use the card more. I had all I could do to not say "duh".

Message 16 of 17
Highlighted
Regular Contributor

Re: Discover More auto APR decrease

Just checked mine and it is now 14.9%. It used to be 22.9% last I looked.

 

 

 

Message 17 of 17