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Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

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

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

Established Member
jpschroe37
Posts: 17
Registered: ‎03-08-2013

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.

Frequent Contributor
andyaycw
Posts: 290
Registered: ‎07-25-2007

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.


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Regular Contributor
codesingh
Posts: 245
Registered: ‎12-27-2012

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.
Senior Contributor
Open123
Posts: 3,980
Registered: ‎02-23-2011

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.

Valued Contributor
mxp114
Posts: 1,356
Registered: ‎09-01-2011

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%.

Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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?

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Member
bitcoin
Posts: 13
Registered: ‎04-14-2013

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.

Frequent Contributor
andyaycw
Posts: 290
Registered: ‎07-25-2007

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: EX 794, EQ 787, TU 776
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Frequent Contributor
_jb_
Posts: 306
Registered: ‎01-16-2013

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.


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