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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

What's your interest rate on discover it?

i normally always pay in full. 

i keep getting pre approvals for the discover it. 

last time they offered me 12 months and 16.99 after. 

 

today is 14 months 0% for bts and purchases and 12.99 afterwards.

 

also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases) 

 

im glad my credit is heading in the right direction. 

 

i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: What's your interest rate on discover it?


creditnocash wrote:

i normally always pay in full. 

i keep getting pre approvals for the discover it. 

last time they offered me 12 months and 16.99 after. 

 

today is 14 months 0% for bts and purchases and 12.99 afterwards.

 

also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases) 

 

im glad my credit is heading in the right direction. 

 

i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)


22.99% :smileymad:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: What's your interest rate on discover it?

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Moderator
09Lexie
Posts: 25,920
Registered: ‎09-13-2012
0

Re: What's your interest rate on discover it?

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: What's your interest rate on discover it?


Rhaeny wrote:

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.


Sounds like the 6 month deal then it goes up. When did you get the card???




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: What's your interest rate on discover it?


LS2982 wrote:

Rhaeny wrote:

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.


Sounds like the 6 month deal then it goes up. When did you get the card???


December


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: What's your interest rate on discover it?

Mine is 16.99%, but used to be higher since I had chosen the $200 bonus over the lower APR on the card builder section.

Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
0

Re: What's your interest rate on discover it?

0% til march 2014 and 18.99% after


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: What's your interest rate on discover it?

did any of you guys take the promo, and then the interest rate was higher? 

 

im really debating this deal, but i am in the garden. 

 

eq is my worst report for inquries...  8 in 2 years. 1 is a double for a car loan..  2 over a year 2 at 10 months and the rest on august 30th. 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: What's your interest rate on discover it?


creditnocash wrote:

did any of you guys take the promo, and then the interest rate was higher? 


I did it when they had the card builder where you could select the sign-up bonus, APR and 0% duration.  The lower the APR or the longer the 0%, the lower the sign-up bonus and vice versa.

 

I selected the highest sign up bonus at $200, but had the highest APR at 20.99% and very short 0% promo (3 or 6 months).  After a year, they lowered my APR to 16.99%; so, whatever you choose, after 12 months they can re-evaluate and lower the APR.


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