My Discover card unsecured a few months ago (I got it in September 2020) and I'm not using it much and paying it down every month; it's not my daily driver, which is my only other card, a Cap1 with a $12.5k limit. I finally wondered about the APR today, since while it was secured I was just using my own money, and yikes! 22.99 APR on purchases and 24.99 on cash advances, which of course I don't do.
Is there any time limit on when I could ask for a lower APR? I have no plans to keep a balance, but with the Amazon rewards and holidays coming up, it might be nice just in case. I see from the forums that they want you to wait until the one year mark before asking for a CLI (my card went from $500 to $1800 when it unsecured in, I think, April). I'm wondering if it's the same for an APR reduction.
Or should I just forget about asking, since I don't carry a balance? It's higher even than my Cap1!
Thanks.
