Discover it Approved!

[Anonymous]

Got the email on Dec 4, but the letter I got in the mail today is dated Dec 1.

$4,500 and 17.99%.  TU score is 743.

I was a little worried I wouldn't be satisfied with the CL since I've heard Discover can be stingy, especially with new members, but $4500 is now my second highest limit!

My other limits are:

AMEX BCE: $3,000

AMEX Clear: $3,000

Chase Freedom: $3,000

Citi Diamond Preferred: $10,500

Citi Dividend Platinum Select: $2,200

Citi Forward: $3,500

[coldnmn]

Congrats! Welcome to the Discover family. Thanks for sharing.

[Platinum]

Congrats !!!

You can ask for APR decrease down the road. Mine was approved three months ago with 10.9% APR ongoing after 0% APR on purchases and BT's for 14 months expires.

[Anonymous]

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@Platinum wrote:

Congrats !!!

You can ask for APR decrease down the road. Mine was approved three months ago with 10.9% APR ongoing after 0% APR on purchases and BT's for 14 months expires.

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How long did you wait to request it?

[Platinum]

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@Anonymous wrote:

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@Platinum wrote:

Congrats !!!

You can ask for APR decrease down the road. Mine was approved three months ago with 10.9% APR ongoing after 0% APR on purchases and BT's for 14 months expires.

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How long did you wait to request it?

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Oh...I did not request APR decrease. I was just approved 3 months ago with 10.9% ongoing APR after the promo. Someone here mentioned that you can ask them to mail you the form to request APR decrease. I don't know how long you need to wait for that.

[Platinum]

Some folks here have ongoing 7% or 8% purchase APR, something like that.

[lexandra90]

wow nice and congrats!

[Anonymous]

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@Platinum wrote:

Some folks here have ongoing 7% or 8% purchase APR, something like that.

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Wow that's incredible.  I thought the lowest for this card was 10.99%.  Any idea of how good one's credit needs to be to get an unsolicited APR decrease?  My score is 743, but my file is only about 7 years old and my only baddie is a paid CO.  I actually disputed it since I never opened the account (it was a GAP card and I've never shopped at GAP).  They wouldn't remove it, but they agreed to change it to paid at least.  Better than nothing I guess.

[Platinum]

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@Anonymous wrote:

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@Platinum wrote:

Some folks here have ongoing 7% or 8% purchase APR, something like that.

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Wow that's incredible.  I thought the lowest for this card was 10.99%.  Any idea of how good one's credit needs to be to get an unsolicited APR decrease?  My score is 743, but my file is only about 7 years old and my only baddie is a paid CO.  I actually disputed it since I never opened the account (it was a GAP card and I've never shopped at GAP).  They wouldn't remove it, but they agreed to change it to paid at least.  Better than nothing I guess.

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Yes 10.99% is advertised. To get lower you need to ask after you get the card and use it for some time. What they are looking for when they make decision I really don't know. Some other folks here know more about it.

[alvon123]

nice limit