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What's your interest rate on discover it?

Regular Contributor

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

My Discover It APR is 17.24%. I've never asked for a decrease since I PIF. Plus my Citi card is 6.74%; I doubt they can match that. Anyways my rationale is if I keep my APR high with Discover they will continue giving auto CL increases with the intent to earn more money via interest.

Message 31 of 49
Contributor

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

I believe my apr is 18.99% but this isnt my "carry a balance"card so it doesnt bother me.
Message 32 of 49
Frequent Contributor

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

22.99%  and they said at 1 year annivesary I can request to lower APR

EQ: 737 TU: 724 EXP: 739 UTIL at 5%
BK7 8++ years old
Message 33 of 49
Super Contributor

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

10.99 in 2014 when promotional period ends. So I can call and get it lowered even further? Or it depends on what I do during this promotional period?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 34 of 49
Senior Contributor

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

Mine will be 19.99% after 15 mos 0%! Yayuh!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 35 of 49
Valued Contributor

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

Mine is currently 10.99% APR (Variable Rate).

Message 36 of 49
Frequent Contributor

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

19.99

Scores: EX - 769 (Amex FICO 5/21/16) TU - 763 (Discover FICO - 4/30/16), EQ - 795 (Citi FICO - 5/24/16)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 8k, Discover It - 10k, Citi Dividend WE - 8k, Chase Freedom - 4k, Chase Amazon Visa Sig - 4k
Last App: 3/4/2016.
Message 37 of 49
Regular Contributor

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

I called for a APR reduction when I switched to IT. The best they could do was a 6 month 3.9% promo and then back to my regular 15.9%. :/ I took it, but after this promo period I will be calling back! 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 38 of 49
Valued Contributor

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

18.99%.  Need to get a low interest card soon.  All I have are high interest rewards cards.  DCU is calling my name...

Message 39 of 49
Valued Member

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

17.99%

Gardening as of 9/6/13
Message 40 of 49