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Discover's Lowest APR?

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Regular Contributor

Re: Discover's Lowest APR?


@zen25 wrote:

9.99% here


 

Very nice.  I called a couple of months ago or so to get mine lowered.  I asked the CSR what is the lowest APR she had ever seen.  She said ten something.

Message 11 of 17
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Valued Member

Re: Discover's Lowest APR?

5.99% but i am military.

Message 12 of 17
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Regular Contributor

Re: Discover's Lowest APR?

Mine is 9.99% but I have had this card since 1989! Smiley Happy

FICO 8 EQ: 838, TU: 834, EX: 826 Total Rev CL: $415,000 - BANK of AMERICA/CHASE/CITIBANK/DISCOVER/ USBANK/AMEX/NORDSTROM/MACYS/BARCLAYS/FNBO/ JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/SYNCH 2% MC /AAoA 14 years
Message 13 of 17
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Valued Contributor

Re: Discover's Lowest APR?

9.99% V currently

 

Before CARD Act and the Great Recession of 2007-2008, for a while they had me at 5.24% V, before applying a rate jack because of the economic conditions.

Message 14 of 17
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Established Contributor

Re: Discover's Lowest APR?

I can't say for sure with Discover, but the cardmember agreement for most or all of my cards shows the range of interest rates (lowest and highest) a card can have.

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 15 of 17
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Moderator

Re: Discover's Lowest APR?


@FlaDude wrote:

I can't say for sure with Discover, but the cardmember agreement for most or all of my cards shows the range of interest rates (lowest and highest) a card can have.


Cards can go lower than the published APR..  I have many cards below lowest listed due to numerous methods

Message 16 of 17
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Community Leader
Senior Contributor

Re: Discover's Lowest APR?

Currently Miss Disco standard rate for my account is 11.99... Iv seen single digit APRs for standard rate with Miss Disco..  If it wasnt such a crappy time, id be hitting her up next year to see if i can drop it lower....  Iv seen paper offers *PRE pandemic* for 10s.... which is still lower than their typical range of rates... (Family member got offered a discover with a 10.x rate AND the 18month 0% and the 0%bt offer) 

 

But i have a 0% offer untill Dec =) 

 

-J

Message 17 of 17
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