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Discover is really good

Established Contributor

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

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Message 1 of 8
7 REPLIES
Moderator Emerita

Re: Discover is really good

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

Message 2 of 8
Frequent Contributor

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)

Message 3 of 8
Moderator Emerita

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 ? 

Message 4 of 8
Frequent Contributor

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)

Message 5 of 8
Mega Contributor

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
Message 6 of 8
Moderator Emerita

Re: Discover is really good

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

Message 7 of 8
Valued Contributor

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
Message 8 of 8