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What's your interest rate on discover it?

Frequent Contributor

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

I have 0% til April 2014 then 10.99%


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Moderator Emerita

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

Regular Contributor

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

Is their HP or SP for an apr reduction?

Frequent Contributor

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


09Lexie wrote:
@newportguy

I'm jealous! 😤

Awww now!!!  Didn't mean to make you jealous Smiley Sad
 


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Frequent Contributor

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


HeilFico wrote:

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


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Valued Contributor

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

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.

 

Moderator Emerita

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

@newportguy

It's cool. I just have a goal now....thanks to you! 😀
Frequent Contributor

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


09Lexie wrote:
@newportguy

It's cool. I just have a goal now....thanks to you! 😀

I wish only the best for you Smiley Happy Good Luck on all your Goals


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Moderator Emerita

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

Moderator Emeritus

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


bitcoin wrote:

@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.


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 Smiley Happy as I will be keeping this card for a long time.

Starting Score: 08/29/2011 TU 671 EQ 674
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