Same here, I'm not seeing the 18mo/4.99%/0 transfer any more, just the 12mo/0%/3% transfer fee.
@SouthJamaica wrote:I've had a Discover IT card for 3 years. There have continually been balance transfer offers, either fee-free, or interest-free.
Today, for the first time in 3 years, I got this message:
"Unfortunately, there are no offers available on your account at this time."
Does anybody know what this is about?
Here is my guess: historically I used the balance transfers plenty, but never carried a balance, usually paying the balance off even before the statement cuts; I never get good CLI's from Discover, so I have always been curious as to how I could change their view of me; I read in this forum that Discover's business model is to target revolvers rather than transactors, so this month I deliberately carried a 25% balance; their algorithm, instead of seeing that as a nice thing, interpreted it as a sign of distress. That's my guess, but I'm curious if anyone has any better insight into it.
If this persists, I will finally follow through on my dream of relegating the Discover card to the sock drawer, since the balance transfer offers were the only feature I liked about the card. I'm not particularly fond of the idea of taking up space in my wallet with a card that is not accepted everywhere, and I simply cannot spare any of my few remaining brain cells for the purpose of keeping track of Discover's bonus categories, most of which are either useless, or almost useless, to me. E.g. sometimes their category is for department stores or wholesale stores. I don't go to either of those. This quarter their category is gas. My regular cards get me 2% cash back on everything, and some get me 3% cash back on gas. And I probably spend $50 a month on gas. So for $1.50 a month I can skip worrying about what's hot at Discover this quarter
My DW's Discover says the same thing southie. Mine just has the 12/0/3 which I am using right now,
@Anonymous wrote:
Where are you guys seeing offers when you log in?
I used to see them at Manage --> Credit Options/Balance Transfer
@Anonymous wrote:I don't have any offers at the moment either. which is weird because I always have had offers!
Edit to add: I wonder if it's bc they lowered my APR to 0% for the year....
Well it's comforting to know I'm not alone 
Misery loves company
Well there goes my theory. Discover hasn't just singled me out, it represents some kind of change in policy on balance transfers.
I'm putting the card in my sock drawer, but it will be interesting to see what Discover does next.
Since they're not offering me balance transfers, the CLI question becomes a moot point for me.
Yep... On my old card, I had two BT options last month... not I have none. My new card has an intro offer, so its not surprising there aren't additional offers.
My first go around i encountered this as my first year was coming up. Had offers all year long then bam nothing. One of the factors in me closing it lol. I figured it was cuz i was affected by Maria and they didnt want to lend me any money. But i figure its Disco being Disco doing Disco doosies