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Got Discover auto CLI; can I also get an APR reduction?

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Dirge
Contributor

Got Discover auto CLI; can I also get an APR reduction?

I've had my Discover It for a year now. Started as a $500 secured card last October, got raised to $1800 when it unsecured. But it's got a 22.99% APR. I pay it in full every month, so I don't pay interest, but it still seems so high! I was reading about people asking for a lower APR after they've had the card for a year. So I logged on to discover's website and I saw that my limit is now $2500! I didn't get a message or email or regular mail about it. I have been using it and paying it off, especially now that Amazon purchases are the 5% category. 

 

I'm happy about the auto CLI but I wonder, does that mean they probably wouldn't lower my APR? 

 

Thanks for any ideas. 

Message 1 of 23
22 REPLIES 22
CreditMagic7
Mega Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congratulations on your Discover Card automatic increase!

 

Other members more familar with this card can answer your inquiry on an APR reduction possibility.

Message 2 of 23
Titans84
Valued Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congrats on your Disco auto-CLI! Can't help to ask for a APR reduction.

Current FICO 8:



Message 3 of 23
Anonymous
Not applicable

Re: Got Discover auto CLI; can I also get an APR reduction?

Yes you can. After being approved of a CLI last March, I contacted them through a secure message asking for an APR reduction. It didn't take them long to approve me for a small APR reduction. However, I took it as a win. Smiley Happy

Message 4 of 23
rostrow416
Established Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

I've heard other members post about either calling in or sending a secure message for an APR reduction.  It's can't hurt to contact Discover to ask.  Once I'm out of my 0% intro period, I plan on calling in as well, my APR will be something like 22.xx%.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

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Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 5 of 23
CreditAggie
Community Leader
Super Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congratulations on your Discover CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 23
coreyb80
Super Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congrats on the increase!

Message 7 of 23
Jordan23ww
Senior Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congratulations on the limit increase!  If you reach out for an APR reduction I hope they grant it to you also!

         


Message 8 of 23
gdale6
Moderator Emeritus

Re: Got Discover auto CLI; can I also get an APR reduction?

Grats on your auto luv Smiley Happy

 

Once a year you can ask for an APR reduction and you can do it even with an auto move up. I would call in for it.

Message 9 of 23
Sub16610
Established Contributor

Re: Got Discover auto CLI; can I also get an APR reduction?

Congrats on your Discover auto love!

Message 10 of 23
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