topic Re: Discover Balance Transfer APR in Credit Cards

Discover Balance Transfer APR

fittiger — Thu, 04 Apr 2013 19:11:12 GMT

I've had my discover account for a year now. I was thinking of asking if they would offer me a 0% balance transfer rate for several months. Has anyone every tried this with success?

Re: Discover Balance Transfer APR

asteroidblues86 — Thu, 04 Apr 2013 19:14:35 GMT

Have you logged into your online account to see what offers are available?

Re: Discover Balance Transfer APR

Anonymous — Thu, 04 Apr 2013 19:15:43 GMT

I mean I have it til August but I haven't used it

Re: Discover Balance Transfer APR

fittiger — Thu, 04 Apr 2013 19:51:16 GMT

@asteroidblues86 wrote:
Have you logged into your online account to see what offers are available?

Says online offers are unavailable and need to call customer service.

Re: Discover Balance Transfer APR

asteroidblues86 — Thu, 04 Apr 2013 21:52:01 GMT

@fittiger wrote:
@asteroidblues86 wrote:
Have you logged into your online account to see what offers are available?

Says online offers are unavailable and need to call customer service.

Okay, I just checked mine and I have two offers:

0% 12 months, 3% fee

2.99% 18 months, 0% fee

Re: Discover Balance Transfer APR

fittiger — Thu, 04 Apr 2013 22:02:42 GMT

Maybe I don't qualify right now. Mine says:

"We're Sorry....We are not able to process balance transfers online at this time. If you would like to transfer a balance, please call 1-800-618-5714 to check the availability of balance transfer offers on your account."

Re: Discover Balance Transfer APR

sarkell — Thu, 04 Apr 2013 22:04:54 GMT

Do you have the it? Bc you need to call in for offers.

Re: Discover Balance Transfer APR

fittiger — Thu, 04 Apr 2013 22:25:02 GMT

My card will PC to the It on the 13th.

Does that mean I need to call in for the More or the It?

Re: Discover Balance Transfer APR

asteroidblues86 — Fri, 05 Apr 2013 00:57:03 GMT

@fittiger wrote:
My card will PC to the It on the 13th.

Does that mean I need to call in for the More or the It?

I dont think it makes any difference. I can confirm online balance transfer offers for both It and More.

Re: Discover Balance Transfer APR

SuperKirby — Sun, 07 Jul 2013 00:32:13 GMT

How does one receive eligibility for a balance transfer? I have a Discover IT card, clicked on the BT link and it says there are no offers for BTs even though the reason I got the card was for the 0% BTs. I still have 10 months left for the 0% BT. I called the CSR and she said the offers are random, so I should just check back every month.

Anyway to increase my chances of receiving an offer?

Re: Discover Balance Transfer APR

Anonymous — Sun, 07 Jul 2013 02:10:56 GMT

When you first sign up for the card, they should have offered to let you do a BT at 0%, 3% fee. BUT it has to be done within the first 60 days of having the card. They should have given you a cut off date on when the BT must POST to the account.

Re: Discover Balance Transfer APR

SuperKirby — Sun, 07 Jul 2013 02:42:22 GMT

@Anonymous wrote:
When you first sign up for the card, they should have offered to let you do a BT at 0%, 3% fee. BUT it has to be done within the first 60 days of having the card. They should have given you a cut off date on when the BT must POST to the account.

Oh ok thanks. I am past my 60 days, darn. Anyway I can get the offer again? Or am I SOL? Just wait around for a random offer?