Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,300
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Mega Contributor
Posts: 15,453
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% Smiley Mad




EQ FICO 548 3/3/16
Valued Contributor
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 Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

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

Mega Contributor
Posts: 15,453
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???




EQ FICO 548 3/3/16
Valued Contributor
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
Super Contributor
Posts: 6,224
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
Posts: 712
Registered: ‎06-11-2012
0

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

0% til march 2014 and 18.99% after


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,300
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Super Contributor
Posts: 6,224
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.

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.