@elaine829 wrote:I just received my discover card from the approval last week. Has anyone have discover change the apr on you. I'm pretty sure when I applied online and got approved it was 17 or 19 percent apr. Which I thought was high with a credit score of 700 on equifax. Now it says after 12 months with 0% interest the interest will be 22% Yikes!! That's like a store apr!! Can I call and ask why my apr is that high. Or just ride it out until close to the 1 year mark and ask for a interest decrease. My credit scores should be higher than. My goal is mid 700's next year. Advice please.
That's the norm if you have a 700 score at least for me
@elaine829 wrote:I didnt take a screenshot of the APR when i got approve online and the email that they sent me after they approve me just says the credit limit and when they were going mail out the card next time i know. I will just wait. Thanks everyone. Hopefully I will be at least at 740 next oct and get a great rate.
How do you respond to someones answer in the same box on this forum?
When you reply to the message, there is a "Quote" button just above and to the right of the text box you are typing in. Click that to bring in the entire prior quote, then start typing below it.
I got a 1.5% APR reduction earlier this year to 18.24%, so called again in late September to try to continue stepping that down. Instead they counteroffered to give me 12-months of 0% Purchase APR, then after I asked about BT offers they pointed out the 0% APR BT offer that was available on line. The 0% BT offer seems to be a daily thing, but I'm happy with the 12-months purchase 0% APR also.
@NRB525 wrote:
@elaine829 wrote:I didnt take a screenshot of the APR when i got approve online and the email that they sent me after they approve me just says the credit limit and when they were going mail out the card next time i know. I will just wait. Thanks everyone. Hopefully I will be at least at 740 next oct and get a great rate.
How do you respond to someones answer in the same box on this forum?
When you reply to the message, there is a "Quote" button just above and to the right of the text box you are typing in. Click that to bring in the entire prior quote, then start typing below it.
I got a 1.5% APR reduction earlier this year to 18.24%, so called again in late September to try to continue stepping that down. Instead they counteroffered to give me 12-months of 0% Purchase APR, then after I asked about BT offers they pointed out the 0% APR BT offer that was available on line. The 0% BT offer seems to be a daily thing, but I'm happy with the 12-months purchase 0% APR also.
I recently got mine lowered from 18.99% to 17.54% or some weird number. My scores are as whenevr they last pulled them: EX: 737, TU: 740 EQ: whatever is in my sig
@takeshi74 wrote:
@elaine829 wrote:Which I thought was high with a credit score of 700 on equifax.
It's never just about score. Your entire credit profile matters.
@elaine829 wrote:Can I call and ask why my apr is that high.
Sure, though the answer will probably be that it's the APR that you qualified for.
Yeah but isn't intial APR based on your score? Limits aren't as much i thought?