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DISCOVER IT

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HYPASS33
Frequent Contributor
‎03-17-2014 09:18 AM
‎03-17-2014 09:18 AM

DISCOVER IT

Tried last year to get approved but kept getting shot down but today was approved for 8500! The app said rates were from 10-22% and I asked what my rate was and its 22.9 which seems kinda high. thought I would at least be around 14 range. Anyone else have high rates with discover?

Message 1 of 17
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16 REPLIES 16
Anonymous
Not applicable
‎03-17-2014 09:27 AM
‎03-17-2014 09:27 AM

Re: DISCOVER IT

Congrats on that starting limit!!

 

My rate is high with them (can't remember the number), but I don't carry a balance so I haven't tried to get them to lower it.

Message 2 of 17
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coldnmn
Mega Contributor
‎03-17-2014 09:35 AM
‎03-17-2014 09:35 AM

Re: DISCOVER IT

Congrats! Not sure I pay in full so never payed attention. Thanks in sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 17
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Anonymous
Not applicable
‎03-17-2014 09:54 AM
‎03-17-2014 09:54 AM

Re: DISCOVER IT

Discover has been known to take requests for rate reductions and actually approve them. A recon or show them some card usage and then request.
Message 4 of 17
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Anonymous
Not applicable
‎03-17-2014 10:18 AM
‎03-17-2014 10:18 AM

Re: DISCOVER IT

@Anonymous wrote:
Discover has been known to take requests for rate reductions and actually approve them. A recon or show them some card usage and then request.

^^^ This. I callled to see if there was any available promos for my account recently and they reduced my APR from 17.99% to 12.99%. So if that APR bothers you, simply call the day the 12 month promo ends and request a reduction. 

Message 5 of 17
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BigBS
Senior Contributor
‎03-17-2014 10:24 AM
‎03-17-2014 10:24 AM

Re: DISCOVER IT

Congrats!  Not sure what my APR is either, but plan to PIF and make it meaningless.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 6 of 17
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alvon123
Super Contributor
‎03-17-2014 10:36 AM
‎03-17-2014 10:36 AM

Re: DISCOVER IT

congrats


Message 7 of 17
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-Wade-
Valued Contributor
‎03-17-2014 11:22 AM
‎03-17-2014 11:22 AM

Re: DISCOVER IT

@HYPASS33 wrote:

Tried last year to get approved but kept getting shot down but today was approved for 8500! The app said rates were from 10-22% and I asked what my rate was and its 22.9 which seems kinda high. thought I would at least be around 14 range. Anyone else have high rates with discover?

Congrats on your approval Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 8 of 17
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yudeology101
Senior Contributor
‎03-17-2014 11:27 AM
‎03-17-2014 11:27 AM

Re: DISCOVER IT

Wow, awesome starting limit WTG!!  I beat you by .6 as my APR is 22.84% lol   If you want to trade the CL and APR let me know Smiley Wink

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 9 of 17
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gdale6
Moderator Emeritus
‎03-17-2014 12:24 PM
‎03-17-2014 12:24 PM

Re: DISCOVER IT

@HYPASS33 wrote:

Tried last year to get approved but kept getting shot down but today was approved for 8500! The app said rates were from 10-22% and I asked what my rate was and its 22.9 which seems kinda high. thought I would at least be around 14 range. Anyone else have high rates with discover?

Grats & welcome to the Discover family. Smiley Happy  I started with 20.9 now 18.9 you can ask for adjustment every 12 months, my 2nd request to adjust will be in May.

Message 10 of 17
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