Discover BT offers poofed

[CreditInspired]

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@SouthJamaica wrote:

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@Remedios wrote:

I got a pop up to "add a loved one" to help them build credit 

Cant wait to tell my dogs 

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I love these banks telling us to 'refer a friend'. If we did that to our friends, they wouldn't remain our friends.

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AND, I would refer all my friends, relatives, nextdoor neighbor, and the guy on the train if banks would give residual cashback! 😂🤣😂🤣 

[Anonymous]

I get them every month basically...as soon as an available offer expires, they offer another, and as soon as I use one, they offer another lol.

[CreditCuriosity]

From offers I am seeing they arent being as generous anymore with terms or rates

[Remedios]

Discover 🤷

They did lower my apr, so I'll call that a win even if i'm not using it 

[DaveInAZ]

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@Remedios wrote:
I've had BT offers continously for the past two years.
Last one was set to expire on 25th, and I thought nothing of it as they repopulate next day, except this time it did not. Crickets on BT page

I dont need a BT, but that was my sole reason for growing this card. I've asked a few people and their offers seem to have disappeared

So, either they are making some changes or the joke is on me 😂😂😂

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I meant to reply to this earlier but got sidetracked. My previous BT offer also expired on June 25, it was 0% w/3% fee for 12 months or 6.99% w/0% fee for 18 months. I took the offer for $6k for the no fee 18 month option on the 24th in case a new BT didn't come up. It did, my new offer is the same 0% w/3% fee for 12 months but the 18 month offer is 3.99% but with 3% fee. And I'm on the Disco site and I notice below the offer it says "For future balance transfers, the standard fee may apply", you click it and it says "For future balance transfers, a fee of up to 5% may apply"

This may kill Discover BTs for me, I ain't payin' no stinkin' 5% fee. I always do Discover BT short term because it kills using the card for me, with a BT balance any new charges are charged interest at soon as they post. In fact that's why I'm on their site, I'm going to make a $1700 payment on the $6k BT I just took two weeks ago. I just needed it short term to move some funds around and pay something off to re-use it at a lower rate. The $1700 payment gets my balance below 29% util which I'll let post on the statement on the 20th and then payoff next month. I could pay it all off now, but my thinking is let them earn a litle interest and keep them happy with me.

[Remedios]

Yeah, 5% is just 😐

They can keep it 

[CreditInspired]

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@DaveInAZ wrote:

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@Remedios wrote:
I've had BT offers continously for the past two years.
Last one was set to expire on 25th, and I thought nothing of it as they repopulate next day, except this time it did not. Crickets on BT page

I dont need a BT, but that was my sole reason for growing this card. I've asked a few people and their offers seem to have disappeared

So, either they are making some changes or the joke is on me 😂😂😂

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I meant to reply to this earlier but got sidetracked. My previous BT offer also expired on June 25, it was 0% w/3% fee for 12 months or 6.99% w/0% fee for 18 months. I took the offer for $6k for the no fee 18 month option on the 24th in case a new BT didn't come up. It did, my new offer is the same 0% w/3% fee for 12 months but the 18 month offer is 3.99% but with 3% fee. And I'm on the Disco site and I notice below the offer it says "For future balance transfers, the standard fee may apply", you click it and it says "For future balance transfers, a fee of up to 5% may apply"

This may kill Discover BTs for me, I ain't payin' no stinkin' 5% fee. I always do Discover BT short term because it kills using the card for me, with a BT balance any new charges are charged interest at soon as they post. In fact that's why I'm on their site, I'm going to make a $1700 payment on the $6k BT I just took two weeks ago. I just needed it short term to move some funds around and pay something off to re-use it at a lower rate. The $1700 payment gets my balance below 29% util which I'll let post on the statement on the 20th and then payoff next month. I could pay it all off now, but my thinking is let them earn a litle interest and keep them happy with me.

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😂🤣

In fairness to Disco, it does say “up to 5% BT fee” (on mines anyway). So my hope is that it’s profile dependent or at a minimum, one can request the 3% fee, then make a decision whether or not to continue. 

[DaveInAZ]

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@CreditInspired wrote:

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😂🤣

In fairness to Disco, it does say “up to 5% BT fee” (on mines anyway). So my hope is that it’s profile dependent or at a minimum, one can request the 3% fee, then make a decision whether or not to continue. 

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Yeah, hopefully it's just marketing, folks see the "up to 5% fee" and decide the 3% fee isn't so bad. And perhaps there's too many folks like me that take the no fee w/interest because it's only short term, which doesn't make Discover as much $$$$.

[Remedios]

So, I'm desperately trying to find use for this card, i dont feel quite like closing it but I also have very little use for it    🤷

I could not  max a category even if it was "Breathing and Blinking" 

Does anyone know how long (or soon) after permanent APR reduction another 0% promo can be requested? 

[UncleB]

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@Remedios wrote:

So, I'm desperately trying to find use for this card, i dont feel quite like closing it but I also have very little use for it    🤷

I could not  max a category even if it was "Breathing and Blinking" 

Does anyone know how long (or soon) after permanent APR reduction another 0% promo can be requested? 

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I feel similarly about my own Discover... the categories are rather 'meh' for me, and I seem to be keeping it around only for a "just in case" BT. 

It's said that after getting an APR reduction or 0% promo you have to wait six months before you can get another, although I don't know if that's been tested in a while.