04-14-2013 07:52 PM
I have 0% til April 2014 then 10.99%
04-14-2013 08:05 PM
I'm jealous! 😤
Awww now!!! Didn't mean to make you jealous
04-14-2013 08:09 PM
Is their HP or SP for an apr reduction?
I don't think it will be a HP!! You may want to ask them before you ask for APR reduction
04-14-2013 08:15 PM
11.24 (another example of Discover preferring oddball numbers, as they so often do with their CLs). I've only asked for one APR reduction. It was years ago, but it was an SP.
04-14-2013 08:26 PM
It's cool. I just have a goal now....thanks to you! 😀
I wish only the best for you Good Luck on all your Goals
04-14-2013 08:31 PM
My suggestion would be to ask at same time. That's what I did. Also its a SP. Sometimes they will offer you a choice between 3.9% on purchases for 6 months or a lower APR. I have gotten 3 Apr reductions and 1 promo on purchases in the last 2 years... all SP my Apr used to be a horrid 26.99 until I found this site and used size ormans kit. Suze's kit was the first one who suggested that I call and ask. Ever since then I have sporadically called and received them. My rate was high because this was the first card I ever had and I got it in the late 90s. I plan on continuing to get my rate lowered as I will be keeping this card for a long time.
@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.