All it took was a <1 minute phone call to the 800-number and I dropped the APR on the card from 22.9% to 18.24%. Well worth the small effort!
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Congrats! Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Is it a permanent decrease or temp
@dumaine wrote:My question is how long have you had the card? I have one month left on the 0% promo then 22.9% starts.
+1 and what did you tell the rep to get it dropped
congrats
@vygotsky wrote:
@dumaine wrote:My question is how long have you had the card? I have one month left on the 0% promo then 22.9% starts.
+1 and what did you tell the rep to get it dropped
I will share my experience since I just got a 3.75% APR reduction on my Discover It. I've had the card for 15 months. My 0% promo ended last month. I used the chat option and simply asked if my account qualified for an APR decuction. The rep took a moment to check my account, then told me they could lower it from 19.99% to 16.24%. It was that easy. 
Congrats on your new lower rate, OP! 
@vygotsky wrote:
@dumaine wrote:My question is how long have you had the card? I have one month left on the 0% promo then 22.9% starts.
+1 and what did you tell the rep to get it dropped
I opened the account in 11/2012. I simply asked the rep if she was able to reduce my APR at all, she took about 20 seconds and told me what the new APR was! I 
Discover, they make it easy (I also received a CLI a few days ago). Oh, and it's permanent!
@Loques wrote:
@vygotsky wrote:
@dumaine wrote:My question is how long have you had the card? I have one month left on the 0% promo then 22.9% starts.
+1 and what did you tell the rep to get it dropped
I opened the account in 11/2012. I simply asked the rep if she was able to reduce my APR at all, she took about 20 seconds and told me what the new APR was! I
Congrats on the CLI as well!