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What's your interest rate on discover it?

Valued Contributor

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
Message 1 of 49
48 REPLIES
Mega Contributor

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
Message 2 of 49
Valued Contributor

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
Message 3 of 49
Moderator Emerita

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

Message 4 of 49
Mega Contributor

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
Message 5 of 49
Valued Contributor

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
Message 6 of 49
Super Contributor

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.

Message 7 of 49
Established Contributor

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
Message 8 of 49
Valued Contributor

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
Message 9 of 49
Super Contributor

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.

Message 10 of 49