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Any Existing Discover IT card customers getting 0% APR offers?

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signaturecardmember
Frequent Contributor

Re: Any Existing Discover IT card customers getting 0% APR offers?

they are great with offers for existing members, as others have said you just have to chat

Started: 4/14 Bank of America Signature $6k, 85% Utilization, 745 Fako
Currently: 6/18 Bank of America Signature $99.9k, Chase Slate $0, Chase Freedom Signature $2.5k, American Express Gold NSL, American Express Everyday $6k, Lowes GE $0 (From $35k), Discover IT $38.5k, Capital One Quicksilver $5k, Barclays US Airways $24k, DCU Platinum $30k, PenFed Promise $47k, Chase Freedom Unlimited Signature (From CSP) $50k, Chase AARP Signature $7.5k, American Express Blue Cash $7.5k, Citi American Airlines Platinum $10.5k, Capital One Venture Signature $30k, Chase Sapphire Preferred (From Reserve) $12k, Chase Ink Business Preferred $10k, Barclays Aviator Business $14k. Total Available Credit: Over $350k, Utilization 4%, AAoA 7 Years, TU Fico 799, EX Fico 727
Message 11 of 21
Kenny
Moderator Emeritus

Re: Any Existing Discover IT card customers getting 0% APR offers?

My family member got this offer by just using chat, as well.
Message 12 of 21
Anonymous
Not applicable

Re: Any Existing Discover IT card customers getting 0% APR offers?

Were these asking for APR reductions or offers or...

Message 13 of 21
Kenny
Moderator Emeritus

Re: Any Existing Discover IT card customers getting 0% APR offers?


@Anonymous wrote:

Were these asking for APR reductions or offers or...


They blatantly asked if there were any APR reductions or any promotional 0% offers available.

Message 14 of 21
signaturecardmember
Frequent Contributor

Re: Any Existing Discover IT card customers getting 0% APR offers?

yes, dont be shy with them lol

Started: 4/14 Bank of America Signature $6k, 85% Utilization, 745 Fako
Currently: 6/18 Bank of America Signature $99.9k, Chase Slate $0, Chase Freedom Signature $2.5k, American Express Gold NSL, American Express Everyday $6k, Lowes GE $0 (From $35k), Discover IT $38.5k, Capital One Quicksilver $5k, Barclays US Airways $24k, DCU Platinum $30k, PenFed Promise $47k, Chase Freedom Unlimited Signature (From CSP) $50k, Chase AARP Signature $7.5k, American Express Blue Cash $7.5k, Citi American Airlines Platinum $10.5k, Capital One Venture Signature $30k, Chase Sapphire Preferred (From Reserve) $12k, Chase Ink Business Preferred $10k, Barclays Aviator Business $14k. Total Available Credit: Over $350k, Utilization 4%, AAoA 7 Years, TU Fico 799, EX Fico 727
Message 15 of 21
Anonymous
Not applicable

Re: Any Existing Discover IT card customers getting 0% APR offers?

All chat agents are currently busy! 

Message 16 of 21
Anonymous
Not applicable

Re: Any Existing Discover IT card customers getting 0% APR offers?

Screen Shot 2015-10-04 at 2.21.22 PM.png

 

Why did I not know about this before? Now if I DO decide to get one of those new Apple products...

Message 17 of 21
kdm31091
Super Contributor

Re: Any Existing Discover IT card customers getting 0% APR offers?

Yup this is why I always say ask your existing lenders before applying unnessecarily for 0 percent offers/new cards.
Message 18 of 21
Anonymous
Not applicable

Re: Any Existing Discover IT card customers getting 0% APR offers?

Quick question, if I pay my monthly bill in full every month, why would I choose to get the 0% APR for the next 12 months instead of lowering my longterm APR? APR is the rate used to calculate interest rate for balances that carry month to month, right?

Message 19 of 21
Anonymous
Not applicable

Re: Any Existing Discover IT card customers getting 0% APR offers?

For me, I can extend some of my other balances that are on 0% by re-directing the $ I would have sent to pay the new discover charges to instead pay down the 0% before it runs out in April/May/July since this 0% is through nov 16
Message 20 of 21
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