So i applied and was approved for the Discover IT cash back last month through online prequal page. The reason I had pulled the trigger on that particular day was bc the prequal listed an APR of 11.99 ! Which would be my lowest by alot. But when i was approved they said the APR was 20.99 which really irritated me but whatever, I had gotten my goal card so i was still happy.
Fast forward to today, I get a secure message from Discover that they dropped my APR to 11.99! Im so excited! Not sure why they went about it that way but not complaining. I try not to carry balances anyway but if i was going to need to, this would be the card i would do it on for sure.
@Doodlebug30 wrote:So i applied and was approved for the Discover IT cash back last month through online prequal page. The reason I had pulled the trigger on that particular day was bc the prequal listed an APR of 11.99 ! Which would be my lowest by alot. But when i was approved they said the APR was 20.99 which really irritated me but whatever, I had gotten my goal card so i was still happy.
Fast forward to today, I get a secure message from Discover that they dropped my APR to 11.99! Im so excited! Not sure why they went about it that way but not complaining. I try not to carry balances anyway but if i was going to need to, this would be the card i would do it on for sure.
Thats great! I still cant wrap my head around a Disco with a 11.99 apr but am glad they did you right!. Any rewards card with a lowish apr is a winner for sure
Congratulations on your APR reduction!
@AverageJoesCredit , yeah Im super happy about it! Although i did find out thru chatting with Disco this morning that i cant even ask for a CLI until my acct reaches 12 months old on 10/07/2021!! What the?? That sucks LOL
Ms. DSCO keeps telling me no even though I've been with her for over a year and even the credit analyst was confused as to why as well. Guess she wants more time with me before saying yes
Discover does do auto-apr reductions, and you can ask for them when you are not on an offer... every 6 months unless your on a 0 offer... but its not likely to get them right now since your in their best published tier.. (and your in a 0% on new purchases offer im guessing...)
Congratulations
-J
Proportedly there are some accounts below their advertised rate.. but yeah... Its pretty much as good as it gets...
-J
Well cool!! Lol...i never get the best of anything hahaha thanks disco!!