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Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

So I got my Discover IT card today..

And along with it a pre-approval for the Discover IT with a 0% APR until June 2014 and apr following that is 9.99%. The APR I received with a 754 EQ is 0% apr for 12 months and 17.99% after the intro rate.

Should I bother calling to see if they can match?
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09Lexie
Posts: 25,853
Registered: ‎09-13-2012
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Re: So I got my Discover IT card today..

New Contributor
wenbev
Posts: 62
Registered: ‎08-01-2012
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Re: So I got my Discover IT card today..

Uh, yeah!  You'll have to call to confirm you rec'd anyway, what can it hurt?! :smileyhappy:

Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: So I got my Discover IT card today..

Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!
New Contributor
wenbev
Posts: 62
Registered: ‎08-01-2012
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Re: So I got my Discover IT card today..

?? why??


grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

 

Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: So I got my Discover IT card today..

I don't know...I'm thinking of calling again later to get a different rep to see if he or she could help me.
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
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Re: So I got my Discover IT card today..


grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

Crazy, they pulled TU for me here in TX and score was 731. I got the 0% 12 month thingy after that it's 15.99%

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Member
grubs
Posts: 85
Registered: ‎11-13-2012
0

Re: So I got my Discover IT card today..

Crazy indeed...
Established Member
MrPickleton
Posts: 25
Registered: ‎02-02-2013
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Re: So I got my Discover IT card today..


grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

Have you opened several accounts recently or have several inquiries?

 

I only had one account opened in the last year, as well as only 2 inquiries when I applied.  It got me a 13.99% APR, mine is the student version.  My TU Fico was 725.  It isn't just about your fico

Amex BCE: 3000, Discover It 2500, Capital One QS1: 1750

Valued Contributor
mxp114
Posts: 1,361
Registered: ‎09-01-2011
0

Re: So I got my Discover IT card today..

Most if not all issuers do not allow recons on the APR, they don't have the ability to reprice the terms. I doubt Discover analyst can do so but good luck. 0% for 12 months, I would enjoy that and solicit an APR reduction in 12 months. I did and I think got mine dropped 5% at the 12 month mark.


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