I checked my Discover BT offers many times in the past 30 days or so, and every time I check my offers there is an 0% APR BT offer available. The weird thing is it also expires the same day every time, so they seem to offer me a new 1-day-to-accept BT promo offer every day. If I accept, in the next screen it tells me that the BT needs to POST today for it to get the promo APR. This is either buggy software or a horrible trap, I'm curious if anyone else encountered this before.
Typically these Discover offers go out a few weeks, though they do expire and renew (usually).
Do you have two offers, one with a fee for a 0% APR term and another with no fee, but with a rate of 5.99% or similar?
For the offer that is expiring today, maybe try a small BT ( $100 or $200 ) early in the day on Monday, to allow time for it to post on Discover the same day.
It really is odd, especially if it keeps cycling up 1 day.
@NRB525 wrote:Typically these Discover offers go out a few weeks, though they do expire and renew (usually).
Do you have two offers, one with a fee for a 0% APR term and another with no fee, but with a rate of 5.99% or similar?
For the offer that is expiring today, maybe try a small BT ( $100 or $200 ) early in the day on Monday, to allow time for it to post on Discover the same day.
It really is odd, especially if it keeps cycling up 1 day.
I only have 1 offer, 0% APR 12 mo, and always expiring the same day. The exact same 12 mo 0% APR offer is always available the next day, also expiring the same day. In the past I had offers like you described, usually with 2 options and lasting a few weeks. Those offers allowed BT to checking accounts too but these new ones don't.
If I decide to do the BT I'll contact them and ask. I don't want to pay interest, 5% BT fee is already high enough.
@isik wrote:I checked my Discover BT offers many times in the past 30 days or so, and every time I check my offers there is an 0% APR BT offer available. The weird thing is it also expires the same day every time, so they seem to offer me a new 1-day-to-accept BT promo offer every day. If I accept, in the next screen it tells me that the BT needs to POST today for it to get the promo APR. This is either buggy software or a horrible trap, I'm curious if anyone else encountered this before.
No I've never experienced it. Usually my Discover balance transfer offers are open for a few months.
