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So I totally forgot about the benefit of just asking general questions via chat!
Wife and I decided to purchase a new couch recently and invest a little in our future, mainly because our dog when he was a puppy tore up part of the current couch! He's grown and mature now!
Went and spent $1400 on a decent sectional, put it on my Discover IT about 4 weeks ago, figured I would poke around the MyFICO Forums like old times tonight because I'm bored, and saw a few APR reduction posts, figured I'd try for myself!
Chatted with them (9p Central time on a Monday) and the pleasant CSR granted me 12 months 0% on all new purchases, so I asked if they could add it to the only purchase I've made with them (had a 0 balance before the couch) in the last two months and she said she could!! Free financing without a hard pull! Great!
I'm in the midst of paying off debt, so this will help tremendously! Asked Cap1 to no avail :[
Congrats on both your sectional & 12 months 0%!!!