Discover IT ( APR Reduction )

[arkane]

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@LandoCredrissian wrote:

Throw a PIF dog a bone and monitor what happens (from Discover's 's POV 😛)! Interested to see the genesis of the reduction. I am like you OP. PIF only. Hmmm. Can you share when you opened the account and starting limit? And current SL? 

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Honestly an APR reduction does absolutely bumfico all for a transactor. They'd do much better with giving out CLIs or at least not insult someone with a perfect history with a useless toy limit. 

[Anonymous]

That's great, OP—I am sure you deserve it!

But to be honest, because you always PIF, I don't really see the reduction being useful.

A CLI would have been awesome. Nevertheless, Discover reducing your APR without permission may mean you are on their good side.

[AverageJoesCredit]

Arkane, toy limits are not useless......


You get to play with it

[arkane]

LOL

One day when you become a famous stand up making millions per appearance, make sure you take a moment to drop in here from time to time.

[joltdude]

The problem with toy limit credit cards is they tend to play with the socks in the sockdrawer..... or find themselves with a subscription and nothing else on them....

-J

[AverageJoesCredit]

Has anyone ever considered using a different drawer for cards in timeout? I mean, if you really want to punish your card would it not be more cruel to UWD them ?

[arkane]

How about the dirty gym socks drawer?

[CrankyDave]

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@joltdude wrote:
Have to go look up my open date but my current cl is 21300 as in my signature.. hover over the cards to see their cls....

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Duuuuude, I have to get that sweet cassette design for my own Discover IT. I didn't know that they did alternate designs.

[joltdude]

AJC was the one who convinced me into getting the mixtape design Discover .... I miss the days of the Disco Express...(Discover was very generous for a period of time)... 

Approval CL was $2500

Score according to Disco was 741

Still cant find the APR.. the statement only shows the 0% offer in effect on the first bill... (May/Jun 2016)

As to card designs, you can have more than one active discover card at a time.. and you also can also block physical cards on a per card basis... 

 https://www.discover.com/credit-cards/member-benefits/card-design.html

-J

[joltdude]

Actually I think the ultimate punishment for the cards would be the.. undergarment drawer..... =)