topic Re: Lowest Discover APR you all have? in Credit Cards

Lowest Discover APR you all have?

CreditCuriosity — Mon, 12 Oct 2020 23:02:59 GMT

So was curious as lowest published APR is 11.99. I was at 12.99.. I decided to call discover just a moment ago as was bored and not really applying for credit atm just going for SP CLI's, etc.. So called and asked for APR reduction as believe it was over 6 months since last one. Was offered permanent one at 11.24%.. Was kinda suprised was expect it to be 11.99% so obviously they go below their published APR. What is the lowest you all have on the card that I love to hate

Re: Lowest Discover APR you all have?

Slabenstein — Mon, 12 Oct 2020 23:13:10 GMT

Fun question. For regular APR, I'm at 10.99 on mine, and the % over prime is the same as when I opened the card. I also have a temp APR of 0.9% atm which they offered to me about a month ago for some reason, but that's a different thing.

Re: Lowest Discover APR you all have?

M_Smart007 — Mon, 12 Oct 2020 23:16:40 GMT

At 0% promotional APR on old card.

Newer card is at 14.24%, cannot get reduced until after Feb. 2021

Discover Love/Hate

Re: Lowest Discover APR you all have?

Anonymous — Mon, 12 Oct 2020 23:19:52 GMT

19.99% currently

Re: Lowest Discover APR you all have?

CYBERSAM — Mon, 12 Oct 2020 23:26:37 GMT

I had %12.99 in 2018, now its %10.99. One of my lowest APR for reward cards. 💖

Re: Lowest Discover APR you all have?

Anonymous — Mon, 12 Oct 2020 23:24:19 GMT

14.24% on IT (with 0% until next October) and no idea on Miles because it's in its intro 0% until next month.

I could have asked for a reduction last month but went for the 0% instead.

Re: Lowest Discover APR you all have?

joltdude — Mon, 12 Oct 2020 23:43:13 GMT

11.99 is what I got going for me.. but I have a BT and a 0% on new purchases until Dec...

Seen as low as the 10s for perm APR...

-J

Re: Lowest Discover APR you all have?

CreditCuriosity — Mon, 12 Oct 2020 23:43:19 GMT

So appears in 6 months more i should be able to get lower than 11.24.... They do go below published APR just like Amex, Citi etc..

Re: Lowest Discover APR you all have?

AZ-Jeff — Tue, 13 Oct 2020 00:20:35 GMT

I'm at 13.99...I'll be giving them a call and ask for a lower rate. The worst that can happen is they say no. (I'm still waiting for that sweet carbon fiber design to become available.)

Re: Lowest Discover APR you all have?

CYBERSAM — Tue, 13 Oct 2020 00:30:08 GMT

@AZ-Jeff wrote:
(I'm still waiting for that sweet carbon fiber design to become available.)

What??? Can you shed more light on this 😲

Re: Lowest Discover APR you all have?

Wrigley2172 — Tue, 13 Oct 2020 00:44:47 GMT

@CYBERSAM wrote:
@AZ-Jeff wrote:
(I'm still waiting for that sweet carbon fiber design to become available.)
What??? Can you shed more light on this 😲

Look at the last 3-4 pages of the disco design thread in smorg

Re: Lowest Discover APR you all have?

credit_endurance — Tue, 13 Oct 2020 00:57:38 GMT

Got an 11.99 pre approval on my 2nd IT and took it. Thought that was the lowest until I seen a few post up. Finally received another BT offer post covid. Just as soon as I can get another increase on my Miles with close/combine with second IT.

Re: Lowest Discover APR you all have?

Slabenstein — Tue, 13 Oct 2020 00:58:43 GMT

A community member reported it as a design option in this thread. Doesn't seem to be available to most.

Re: Lowest Discover APR you all have?

Anonymous — Tue, 13 Oct 2020 01:25:47 GMT

10.99 for me. Not my lowest though. 6.90 on Savor. Got a low fixed rate on CO about 10 years ago at 6.90. It has moved some, but never into double digits, and its back at 6.90.

I think I have a 9.99 on BoA.

But with any card, doesn't matter much as I don't carry balances unless its at 0%.

Re: Lowest Discover APR you all have?

Anonymous — Tue, 13 Oct 2020 02:54:28 GMT

11.99% for me. Originally approved at 14.99% and its just been rolling downhill with the Fed....

Re: Lowest Discover APR you all have?

audioman00 — Tue, 13 Oct 2020 03:04:30 GMT

I'm at temp 9.99%, 10.99% regular.

Re: Lowest Discover APR you all have?

Anonymous — Tue, 13 Oct 2020 09:41:36 GMT

12.99% for me with Discover. My lowest APR comes from both Citi and Penfed at 10.99%. Doesn't really matter since I pay in full anyway.

Re: Lowest Discover APR you all have?

Wavester64 — Tue, 13 Oct 2020 15:11:22 GMT

@CreditCuriosity

18.24% on my current card. Finished up a 12-month 0% apr on purchases last month, and so far they wont give me another one.

Got the 11.99% on the prequal the other day - didn't take it.

Re: Lowest Discover APR you all have?

Remedios — Tue, 13 Oct 2020 15:52:31 GMT

I really don't know, pretty high. I did have one apr reduction, but I usually ask them for 0% promo, then stash some money to keep it active,otherwise it would never see the world.

I think it's 16.24%

Re: Lowest Discover APR you all have?

CreditCuriosity — Tue, 13 Oct 2020 16:01:26 GMT

Most of you know me i always have new cards so always have 0%'s somewhere .. Just more boredom and if i ever was to get stuck with a balance and didnt have 0% offers i rather have the best term thus went for permanent APR.. With that said I probably have 5-7 cards sub 10% APR with NFCU at 5.x being the lowest that isnt on promo 0% apr so always options. Guess just something to keep me active without throwing out apps with approvals are hard to come by with current lending environment.