topic Re: Discover IT with only 6m zero apr in Credit Cards

Discover IT with only 6m zero apr

Anonymous — Tue, 25 Aug 2015 21:11:29 GMT

I referred my wife, I tought she would get the same 15m zero apr like I did.

Well this las statement she got charged apr, I called and the rep told me she only had 6m zero apr.

Has anybody heard of this before?

Thanks.

Re: Discover IT with only 6m zero apr

Anonymous — Tue, 25 Aug 2015 21:12:58 GMT

@Anonymous wrote:
I referred my wife, I tought she would get the same 15m zero apr like I did.

Well this las statement she got charged apr, I called and the rep told me she only had 6m zero apr.

Has anybody heard of this before?

Thanks.

Discover tailors offers for approvals on the fly depending on what the consumer applying qualifies for. But hey, it's better than a denial, right? You guys should get on chat and ask about a new 0% offer for current cardholders.

Re: Discover IT with only 6m zero apr

taxi818 — Tue, 25 Aug 2015 22:46:29 GMT

@Anonymous wrote:
I referred my wife, I tought she would get the same 15m zero apr like I did.

Well this las statement she got charged apr, I called and the rep told me she only had 6m zero apr.

Has anybody heard of this before?

Thanks.
Yes. Depending on your Wife's Credit at time of approval. Also have seen where others were approved without any promo Apr rate. or joint account and secured. Depends on credit worthiness. Why you are saying you got 15 months. many of us only got 14 months and a few back when got 18 months. So it differs. Now all the new applicants are only getting 12 months. all about the research.

Re: Discover IT with only 6m zero apr

ojefferyo — Tue, 25 Aug 2015 22:57:52 GMT

Yep, every application is case by case so therefore terms change.

Re: Discover IT with only 6m zero apr

Anonymous — Tue, 25 Aug 2015 23:42:19 GMT

Yes I also received the six month offer.

Re: Discover IT with only 6m zero apr

BungalowMo — Wed, 26 Aug 2015 00:38:32 GMT

Mine came with 6 mos interest free as well, but I did have a 12 mo 0% on balance transfers, which I did use.

Besides that, what I love is that every several months, my limit goes up. Since opening the acct in April of 2013, my apr has gone from 22.9% to 22.4% to 19.2%.

I keep a low or zero balance, so those I'm ok with. I don't want to upset the apple cart when they have done auto CLI's every several months.

From $3500 ---> $4100 ---> $4700 ---> $5100 ---> $5500 ---> $6600 ---> $8000.

I wouldn't worry about a 6 mo 0% interest. Be happy to have a card that bumps your limit automatically every 4 or 5 months. I'd guess by December, this is gonna be a 10k card without me lifting a finger!

Re: Discover IT with only 6m zero apr

Anonymous — Wed, 26 Aug 2015 00:56:35 GMT

you can always contact discover and see if they will lower your apr or give you (or your wife) another 0% apr promotion.

Re: Discover IT with only 6m zero apr

Anonymous — Wed, 26 Aug 2015 01:08:25 GMT

I didn't get any months 0% apr when I got it, so she did better than I.

Re: Discover IT with only 6m zero apr

Anonymous — Thu, 27 Aug 2015 17:08:22 GMT

I got 0/14 month offer.

Re: Discover IT with only 6m zero apr

Anonymous — Thu, 27 Aug 2015 20:10:08 GMT

I contacted them on chat, no offers for my wife or apr reduction.
Her CL is 11k with only a 1k balance.

Re: Discover IT with only 6m zero apr

Broke_Triathlete — Sat, 29 Aug 2015 00:11:46 GMT

If you just got the card call and say you thought you were receiving 12 months. I did that and they bumped me from 6 months to 12 months 0%

Re: Discover IT with only 6m zero apr

newhis — Sat, 29 Aug 2015 04:29:27 GMT

When we got our Discovers, my DW got 0% for 6 months, I got 'intro' APR of 3.99% for 6 months.

After 1 year, asked for lower APR, they lower mine 1.x% and for DW offered a 0% for 12 months.