topic Re: Discover APR Reduction in Credit Cards

Discover APR Reduction

SteelCityPride — Thu, 01 Nov 2018 16:05:11 GMT

Thanks to all the great information available here I asked Discover via chat for a APR reduction since I am coming on my one year anniversary. I was really looking for them to offer 0% for 12 months instead and that's what they did. Nice feature from Discover and with Christmas and Amazon catagory I think I'll take advantage if needed.

Re: Discover APR Reduction

Anonymous — Thu, 01 Nov 2018 17:28:21 GMT

congrats.. how much of a reduction was it?

Re: Discover APR Reduction

joltdude — Thu, 01 Nov 2018 17:39:27 GMT

The OP took the 0% for 12? months on new purchases offer that you can get pretty reliably if you time it right...

Re: Discover APR Reduction

Anonymous — Thu, 01 Nov 2018 18:00:59 GMT

read it wrong. thanks for clarifying

Re: Discover APR Reduction

AnimatorProcrastinator — Thu, 01 Nov 2018 19:29:04 GMT

Dang I wish they offered me that. They took 5% off my apr when I asked a couple weeks ago.

Re: Discover APR Reduction

Anonymous — Thu, 01 Nov 2018 20:11:59 GMT

I also got 0% for a year thanks to this forum! you all are the best!! TY TY!

Re: Discover APR Reduction

joltdude — Fri, 02 Nov 2018 15:44:52 GMT

Perm or temp? Also there needs to be a gap between 0 offers... think it’s 6 mo

Re: Discover APR Reduction

AverageJoesCredit — Fri, 02 Nov 2018 16:02:19 GMT

Me personally, id take permanent reductions but then again im poor as fico

Re: Discover APR Reduction

joltdude — Fri, 02 Nov 2018 16:06:57 GMT

I took the 0 because I wanted to make a large purchase... =)

But I would have taken a perm reduction if the 0 wasn't offered....

Can see situations where temp might be a good option but not if your offered a 0 or perm....

Re: Discover APR Reduction

AverageJoesCredit — Fri, 02 Nov 2018 18:08:59 GMT

Do people still get Perms nowadays Joltdude?😆

Re: Discover APR Reduction

joltdude — Fri, 02 Nov 2018 18:28:32 GMT

=)
Not sure but I’ll find out in Jan (I know you were joking about the other type of Perm ... not sure if I have enough hair for that though)

Re: Discover APR Reduction

Anonymous — Mon, 05 Nov 2018 15:55:38 GMT

decided to try discover for an APR reduction as well. they offered the 0% for 12 month option, i refused and asked for something more permanent. they offered to drop me from 20.99 to 18.24! I was pretty stoked, and graciously accepted.

once again, thanks for the intel from this wonderful forum.

Rick