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What's your interest rate on discover it?

Established Contributor

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

14.24 on mine. It was 17.99 but I requested it to be lowered and they did.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 41 of 49
Valued Contributor

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

Just received mine in the mail - 0% until 10/2013, then 18.99 (Smiley Frustrated) and 0% on BTs for 18m. I mainly got it for the BT but man 18.99! I haven't seen such high rates since my FP days. I asked the csr about lowering it when I called to activate and she said that I'll have to call back after the promo period ends in October. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 42 of 49
Valued Contributor

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


parakleet wrote:

Just received mine in the mail - 0% until 10/2013, then 18.99 (Smiley Frustrated) and 0% on BTs for 18m. I mainly got it for the BT but man 18.99! I haven't seen such high rates since my FP days. I asked the csr about lowering it when I called to activate and she said that I'll have to call back after the promo period ends in October. 


thats like 6 months? for purchases im guessing? 

 

 

got another citi pre approval today, 13.99 interest rate heres the kicker. 0% for 18 months on bt AND purchases. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 43 of 49
Established Contributor

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

13.99
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 44 of 49
Valued Contributor

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


creditnocash wrote:

parakleet wrote:

Just received mine in the mail - 0% until 10/2013, then 18.99 (Smiley Frustrated) and 0% on BTs for 18m. I mainly got it for the BT but man 18.99! I haven't seen such high rates since my FP days. I asked the csr about lowering it when I called to activate and she said that I'll have to call back after the promo period ends in October. 


thats like 6 months? for purchases im guessing? 

 

 

got another citi pre approval today, 13.99 interest rate heres the kicker. 0% for 18 months on bt AND purchases. 


Yep. 0% on purchases for 6m and then 18.99. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Message 45 of 49
Established Contributor

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

12.99
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 46 of 49
Frequent Contributor

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

17.99%  I called sometime last year to request a reduction and they just offered me a 0% APR period until 8/13.  I'll be calling back around 8/13 to switch to IT and to request another reduction.

 

Back to gardening as of 01-02-17.. 800+ across all three (via FAKOs) has been achieved! 5 INQs currently Smiley Happy
Message 47 of 49
Super Contributor

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

I called them to lower APR from 12.99% to 11.99% yesterday.

 

 

Ron.

Message 48 of 49
Senior Contributor

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

10.99%

Message 49 of 49