topic Re: Discover IT APR Decrease Request in Credit Cards

Discover IT APR Decrease Request

Anonymous — Tue, 21 Oct 2014 18:02:08 GMT

About a month ago I received a SP CLI per my request on my Discover IT.

Today, I used their Chat feature for kicks to request my APR be lowered (Assuming CLI and APR Decrease requests are on the same wait timer) from the current 19.99%. Rep came back a few moments later and said it had been lowered to 18.49%. Not much, but i'll take what I can get for free!!

Re: Discover IT APR Decrease Request

jim44 — Tue, 21 Oct 2014 18:13:30 GMT

Congrats, Citi raise mine from 17.99 to 19.99 claiming higher risk, I called less than 2 months later and it was reduced even lower to 15.99. It never hurts to ask esp if it's a SP.

Re: Discover IT APR Decrease Request

uswala — Tue, 21 Oct 2014 18:20:38 GMT

COngrats!

Re: Discover IT APR Decrease Request

Anonymous — Tue, 21 Oct 2014 19:06:44 GMT

Thanks folks, I love me some SP

Re: Discover IT APR Decrease Request

jgodfrey82 — Tue, 21 Oct 2014 22:30:27 GMT

great move and great results. I like discover.

I call discover every time I go from carrying a balance to being paid off and ask for a decrease in apr or a special apr. I have gone from 22 to 17 over the past few years just by asking, it is always just a point or so just as you got. However I also tell them I want to use the card a lot in the next few months, they usually give me somewhere between 0 and 3% for 6 months at a time. In the 3 years and 20k ive put through the card ive paid them very little interest.