Called to lower APR%, Discover gave 0% interest for a year

[Bees18]

Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?  

[M_Smart007]

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@Bees18 wrote:

Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?  

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@Bees18,

Discover 5% Cat spend through google wallet worked for me last year on eBay.

Maxed the quarterely cap. on both Disco cards ...Had no problems.

[Bees18]

@M_Smart007 

good thank you, that's one of the places I spend 

[Gollum]

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@Bees18 wrote:

Latley I've been calling to try to lower my APR on all my cards, with little luck (I got .65% decrease on one card from Amex) . But when I called Discover they offered to take it down from 27% to 23% or give me 0% for a year. I took the later and next year will call for a perm reduction. So FYI, if you have a Discover card call to see if you can get that promo offer.

Does anyone know if Discovers 5% google wallet category works for online purchaes or just in store, the rep said she thought Apple Pay worked online but not google pay. Any tried this last year?  

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If you buy anything using your Discover card, I suggest you pay it off before your 0% interest rate expires. I would not count on a "perm reduction" next year.

[Bees18]

@Gollum yes, I always pay that card off the interest rate is insane on it 

[crystal626]

Discover's terms specifically exempt Google Pay use online.

Digital Wallet purchases include some online purchases and some in-store purchases made with your smartphone, tablet, or wearable. Wallets that qualify include Apple Pay, Samsung Pay, Garmin Pay and in store with Google Pay. 

https://www.discover.com/credit-cards/cash-back/cashback-calendar.html

I made some purchases on my computer using Google Pay last year and they didn't count.