Discover It APR Reduction.....on Live Chat!

[CollegeStudent530]

A lower APR is still better than a higher APR... ALWAYS!

I really hate to sock drawer my Discover It card, but I have transitioned to using my BCE as my prime and Chase for gas purchases. I always make sure to grab my Discover everytime I shop online though since their ShopDiscover is always stellar.

I love Discover. They were my first prime card.. first $5K card... first great credit card w/ exceptional customer service.

[OptimalCS]

Thanks for sharing!

Good to know.

[leoment]

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@CollegeStudent530 wrote:

It took less than 5 minutes to request an APR reduction through Discover's Live Chat service.

Results:

Jody: Great! I have applied the new rate for you. Future interest charges will be calculated at Prime + 10.99% which equals 14.24% beginning with your 08/26/13 billing statement. Is there anything else I can help you with today?
Me: Nope. Thanks!

I have had my Discover It since June 2012. My last credit score pulled by American Express was TU 766 on 7/6/2013. Two months ago, I requested a credit limit increase from $2,000 to $5,000 and was approved. Discover is in my sock drawer, but I thought it would be beneficial to request a lower APR gradually overtime.

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Congrats!  I called Discover last week to convert my More card to the IT, and requested an APR reduction as well.. Went from 17.99 -> 11.99.

Very pleased with how accomodating Discover is, and will keep it in rotation

[Luscher]

hard pull? soft pull? no pull? were are they getting there rates for you from if no hard pull?

[kevinjjc]

Congrats! I recently got my Discover APR lowered from 10.99% to 9.99% variable.

[john398]

Dont think there was any credit pull on mine for sure not a hard pull

[PhoenixDown]

I generally don't carry a balance but at 19% I feel like I am being ripped off compared to you guys!

[CollegeStudent530]

I always PIF! But having this lower APR definitely gives me security.. in the event that I need to carry a balance. That's for sure.

[Anonymous]

I recently received a CLI on my account and have a $0 balance, and I tried to request an APR reduction via chat and the rep told me she would have to mail me a form via USPS that I would have to fill out and mail back to have a "Rate Specialist" review my account. Has anyone experienced this?

[azguy13]

Congrats! Another notch in the belt of pleased Discover customers