Just thought this was amusing. I've had my DiscoverIT card since 2017. I had the highest APR available (23.74%) and a credit limit of $9100. I called a couple of months ago and explained that I've been a card holder for a long time, no missed payments, credit score was 777 according to my bank that month, and that I deserved a lower APR. They did their magic and offered me 19.24% which wasn't great but at least it was better.
So, today I decided to just apply for a new DiscoverIT card, as I had heard that you could have more than one. Instantly approved with a $8500 credit limit and an APR of 12.74% (the lowest they offer)!! Why they couldn't just give that to me for my original account I do not know, but it's irritating.
Starting Score: 641
Congrats to you on your apporval and the lowest rate they offer 
@NoMoreE46 wrote:
@clumsymoon wrote:Just thought this was amusing. I've had my DiscoverIT card since 2017. I had the highest APR available (23.74%) and a credit limit of $9100. I called a couple of months ago and explained that I've been a card holder for a long time, no missed payments, credit score was 777 according to my bank that month, and that I deserved a lower APR. They did their magic and offered me 19.24% which wasn't great but at least it was better.
So, today I decided to just apply for a new DiscoverIT card, as I had heard that you could have more than one. Instantly approved with a $8500 credit limit and an APR of 12.74% (the lowest they offer)!! Why they couldn't just give that to me for my original account I do not know, but it's irritating.
Congratulations @clumsymoon.
Not to take away your success, but terms like 'long time' and 'deserve' are kinda subjective. The new app/card was a HP so that could a piece into the reasoning.
I will mention that you could try call/chat to combine the older card into the new one. (Over the past few years Discover has fluctuated on its requirements/availability on combining cards-so just be aware...)
Indeed. To note I wouldn't call a permanent 4% drop not great. All you have to do is keep calling in every 6 months to request an apr reduction. Easy peasy. They may even offer new 0% apr for 12 months. In this regards they are better than most other lenders.
Congrats on your Discover iT approval
Nice move, grats on the new card and the low APR!
