cancel
Showing results for 
Search instead for 
Did you mean: 

What's your interest rate on discover it?

Senior Contributor

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

After 0% ends it will be 19.99%.  Probably because 2007 BK7 is still showing.

Message 11 of 49
Established Member

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

My most recent preapproved IT offer in the mail is for 13-16% after the 14 month intro rate of 0%. Don't see a bonus offer out there anymore. I'm waiting to sign up in late May when the CR is cleaner. I've been getting IT in the mail about every two weeks. I'll have to see if they ever differ.

 

I had just looked up my rates for my other credit cards today, because I didn't know them. Always have PIF and not worried. 23% on the Freedom. I guess because of the sign up bonus. I'll have to request that to be reduced in late May as well.

Message 12 of 49
Frequent Contributor

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

I've got a regular purchase APR of 8.99%. I have no idea how it ever got so low.


Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800


Take the FICO Fitness Challenge
Message 13 of 49
Regular Contributor

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

If I may, I've had Discover More since Nov 2012 with the following APR:

3.99% till 06/2013, 22.99% after

 

After I graduate from the garden(in October 2013) I would like to app for the IT and hoping to get a lower APR.

 

Anybody got IT after More and got lower APR?

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Message 14 of 49
Super Contributor

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


codesingh wrote:

 

Anybody got IT after More and got lower APR?


When I PC'ed to from the More to the IT, my APR was lowered from 20.99 to 16.99.

Message 15 of 49
Valued Contributor

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


andyaycw wrote:

I've got a regular purchase APR of 8.99%. I have no idea how it ever got so low.


I know someone that says they have a 5.99% but that seems unusually low. 8.99% is great, I have 9.99%.

Message 16 of 49
Moderator Emeritus

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

I have 18.99% You guys do know you can call every 6 months and get Apr reduction right?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 17 of 49
Member

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

@open123, great idea...I'll PC end of next cycle(May end). I am assuming my open date will be same, just a different product.

 

@webhopper: did not know that. So when I call for PC to IT after 1 month(May end)...I can ask for APR reduction as well. Thx.

Message 18 of 49
Frequent Contributor

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

5.99% seems awfully low, I wonder if that is a promotional rate. Regardless, I never plan on carrying a balance so I never really pay attention to the APR on my cards and I don't bother to call in and ask for APR reductions. I used to when I was starting out with credit, but my interest in that has gone away as I've bulked up my credit portfolio.


Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800


Take the FICO Fitness Challenge
Message 19 of 49
Frequent Contributor

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

I have 0% right now, and then I think in the 13-16% range after that if I recall correctly. I called Capital One up a few months back and got 9.9% for 6 months. Too bad I don't carry any balances.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 20 of 49