@EndlessRoad wrote:
@mongstradamus wrote:I just logged on to my discover account just to check what my apr from my most recent statement was. It was 3.99% i think that is part of their intro apr when i applied last year. I couldn't find anywhere where it says how long that intro apr lasts for. On my amex and chase i remember it saying their intro aprs lasted until january 2015. I am kind of curious to find out where i could find out when my intro apr expires. I have an feeling its going to skyrocket to 22.99 %.
mongstradamus, I'd hop on their online chat real quick and ask when/if the 3.99% ends and what your APR will be afterwards. Good luck and let us know!
I am an nooby i couldn't find the online chat function on discover website , so i just sent an secure email to them asking them about my apr. Hope they get back to me sometime today :-)
@mongstradamus wrote:
@EndlessRoad wrote:
@mongstradamus wrote:I just logged on to my discover account just to check what my apr from my most recent statement was. It was 3.99% i think that is part of their intro apr when i applied last year. I couldn't find anywhere where it says how long that intro apr lasts for. On my amex and chase i remember it saying their intro aprs lasted until january 2015. I am kind of curious to find out where i could find out when my intro apr expires. I have an feeling its going to skyrocket to 22.99 %.
mongstradamus, I'd hop on their online chat real quick and ask when/if the 3.99% ends and what your APR will be afterwards. Good luck and let us know!
I am an nooby i couldn't find the online chat function on discover website , so i just sent an secure email to them asking them about my apr. Hope they get back to me sometime today :-)
Hey that works too, Discover is usually pretty quick with messages so I'm sure you'll hear something today. Maybe that 3.99% is your permanent APR 
wouldnt that be awesome!!
@EndlessRoad wrote:
@mongstradamus wrote:
@EndlessRoad wrote:
@mongstradamus wrote:I just logged on to my discover account just to check what my apr from my most recent statement was. It was 3.99% i think that is part of their intro apr when i applied last year. I couldn't find anywhere where it says how long that intro apr lasts for. On my amex and chase i remember it saying their intro aprs lasted until january 2015. I am kind of curious to find out where i could find out when my intro apr expires. I have an feeling its going to skyrocket to 22.99 %.
mongstradamus, I'd hop on their online chat real quick and ask when/if the 3.99% ends and what your APR will be afterwards. Good luck and let us know!
I am an nooby i couldn't find the online chat function on discover website , so i just sent an secure email to them asking them about my apr. Hope they get back to me sometime today :-)
Hey that works too, Discover is usually pretty quick with messages so I'm sure you'll hear something today. Maybe that 3.99% is your permanent APR
Lol i wish, i am sure it will go up an lot, when i apped for that discover card my fico score and cr are no where near as clean as they are now :-). Discover still doesn't want to give me an cli so i dont know what their story is :-)
@EndlessRoad wrote:I hear ya, I had to take a HP for an increase but they doubled my limit so I was happy. I use the card every day for just about everything so not having to make a payment every week was nice. Now with the almost 5% drop in APR I have more incentive to use the card (usually pay in full but depends on the month).
I used it an fair amount but its not really my every day card. BCP is on grocery duty, QS is more everyday card. Discover IT does get work from gas and restaurants when those are the categories for 5%
Congrats! Good to know I can try again soon as Discover did not move a single % for me....LOL...they are still completely freaked by my credit expansion in 2013 
Discover just dropped my APR from 19.99 down to 16.24, I've had the card for 15 months. First time I asked for a reduction.
This is much better than Barclays, who I had to talk with several friendly people and didn't get anyplace. Barclays did say I could call the CSR's as frequently as once a month to ask if an APR was available if I wanted to 
Ah well, 21.99% and 20.99% is good, right?
Barclays continues their inconsistent behavior, by granting me a $10,000 Sallie Mae 3 weeks ago at 13.99%, but still I don't qualify to reduce the APR on my older $1600 Sallie Mae from its original 20.99%
Congrats!
In case it wasn't mentioned, you can request the reduction every 6 months.
