Discover - Current Account Received 0% Interest for 12 Months thru Chat

[Anonymous]

Okay, so from the other thread, I heard about everyone receiving CLIs via SPs (all these initials for everything) for Discover.  Sadly, I was not a part of that group, but ...

But, I did chat with a representative, and asked if I could have my interest rate lowered from 22.29% (I applied for the card with poor credit).  She gave me a choice between 0% interest for 12 months or rate lowered to 20.24%.  Well, I chose the former thinking that in 12 months, my credit will be even better, and I can ask for a much lowere rate - so, I'll have 0% for now, and lower rate then (if I chose the latter, I wouldn't be able to exercise both options).

She did inicate that I could call a credit analyst about my CLI.

So, just FYI to everyone in case they want to give this a try!!

[castor4072]

Well done!!! 

[Anonymous]

i have not asked for a lower apr since im still in the 0 % perdiod. im going to ask around sept oct when it ends

[Anonymous]

castor472, thank you!

Sapingo, that's what I'm going to do when mine is up. 

[blunderer]

Congrats!!!

Do you mind sharing how long you've had the card?

[Anonymous]

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@blunderer wrote:

Congrats!!!

Do you mind sharing how long you've had the card?

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Sure, no problem.  December of 2013 is when I opened it so close to 3 years.

[blunderer]

Thanks!!!

Good to know.

[MissMoni223]

CONGRATS & WELCOME to the Discover 0% interest for 12 months Club!!! It's such a wonderful place! 

[Anonymous]

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@MissMoni223 wrote:

CONGRATS & WELCOME to the Discover 0% interest for 12 months Club!!! It's such a wonderful place! 

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Thank you!  Definitely glad to be on board!!! 

[Anonymous]

So, I called about the CLI and found out the reason - I just recently got an increase.  She said to wait a billing cycle, but I'm welcome to try again.  Very polite and understanding.  So, I'll give it a go next month.  Is there something about the 16th specfically, or do I just do it on my billing cycle date?