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Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

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 *
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Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
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09Lexie
Posts: 26,659
Registered: ‎09-13-2012
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Re: What's your interest rate on discover it?

Regular Contributor
HeilFico
Posts: 238
Registered: ‎02-03-2013
0

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

Is their HP or SP for an apr reduction?

Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

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


09Lexie wrote:
@newportguy

I'm jealous! 😤

Awww now!!!  Didn't mean to make you jealous :smileysad:
 


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
newportguy
Posts: 351
Registered: ‎11-11-2012
0

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
Gunnar419
Posts: 1,281
Registered: ‎01-23-2013
0

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.

 

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09Lexie
Posts: 26,659
Registered: ‎09-13-2012
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Re: What's your interest rate on discover it?

@newportguy

It's cool. I just have a goal now....thanks to you! 😀
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

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 :smileyhappy: 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 *****
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09Lexie
Posts: 26,659
Registered: ‎09-13-2012
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Re: What's your interest rate on discover it?

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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 :smileyhappy: as I will be keeping this card for a long time.

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