topic Re: Called to lower APR%, Discover gave 0% interest for a year in Credit Cards

Called to lower APR%, Discover gave 0% interest for a year

Bees18 — Tue, 13 Jun 2023 01:54:08 GMT

Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?

Re: Called to lower APR%, Discover gave 0% interest for a year

M_Smart007 — Tue, 13 Jun 2023 02:02:44 GMT

@Bees18 wrote:
Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?

@Bees18,

Discover 5% Cat spend through google wallet worked for me last year on eBay.

Maxed the quarterely cap. on both Disco cards ...Had no problems.

Re: Called to lower APR%, Discover gave 0% interest for a year

Bees18 — Tue, 13 Jun 2023 02:33:50 GMT

@M_Smart007

good thank you, that's one of the places I spend

Re: Called to lower APR%, Discover gave 0% interest for a year

Gollum — Tue, 13 Jun 2023 02:40:02 GMT

@Bees18 wrote:
Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?

If you buy anything using your Discover card, I suggest you pay it off before your 0% interest rate expires. I would not count on a "perm reduction" next year.

Re: Called to lower APR%, Discover gave 0% interest for a year

Bees18 — Tue, 13 Jun 2023 23:50:48 GMT

@Gollum yes, I always pay that card off the interest rate is insane on it

Re: Called to lower APR%, Discover gave 0% interest for a year

crystal626 — Wed, 14 Jun 2023 22:38:31 GMT

Discover's terms specifically exempt Google Pay use online.

Digital Wallet purchases include some online purchases and some in-store purchases made with your smartphone, tablet, or wearable. Wallets that qualify include Apple Pay, Samsung Pay, Garmin Pay and in store with Google Pay.

https://www.discover.com/credit-cards/cash-back/cashback-calendar.html

I made some purchases on my computer using Google Pay last year and they didn't count.