Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Discover is really good

I just called Discover to ask them about possibly getting an interest rate reduction.  My rate is 22.9%, because back when I applied a couple of years ago I didn't have the best credit.  They weren't able to give me a permanent reduction at this time, but they did offer me six months at 1.9%, which was nice of them.  They said that they would put a note on my account and the next time they update they could look into a permanent reduction of some type.

 

I love doing business with Discover.  They are a really good company.


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

Take the FICO Fitness Challenge
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Discover is really good

That's great! I like a company who appreciates a good customer. 

Frequent Contributor
Posts: 258
Registered: ‎06-10-2012
0

Re: Discover is really good

I did the same thing. Asked for an APR reduction in July; I couldn't get a permanent reduction, but I got a 6-month promo rate. Called again when that expired, and got my permanent APR reduced by 2 points. I never carry a balance on my Discover, but I still want to get my rate as low as possible, in case I ever have to.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Discover is really good


LionLaw wrote:
I did the same thing. Asked for an APR reduction in July; I couldn't get a permanent reduction, but I got a 6-month promo rate. Called again when that expired, and got my permanent APR reduced by 2 points. I never carry a balance on my Discover, but I still want to get my rate as low as possible, in case I ever have to.

Any HP's ? 

Frequent Contributor
Posts: 258
Registered: ‎06-10-2012
0

Re: Discover is really good

Nope, no HPs

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Discover is really good

Thats great!

I wouldnt mind asking myself but I always PIF on that card.



EQ FICO 548 3/3/16
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Discover is really good

That's excellent news! I'm still in the promo period but I will file this info away. 

Highlighted
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

Re: Discover is really good

Even temporary, that's a sweet reduction in APR, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.