Every 6 months I ask discover if I have any offers for lower apr or extra cash back.
1st time I got 0 apr for a year 2nd time I got lower permanent apr, 3rd I got 3% cb on everything for 6 months.
This time 0 apr for 1 year on older card, and slightly lower apr 18.99 on newer card.
Haven't used card in past 2 months much since its 5% cb not 10 anymore.
But if they keep offering these offers ill keep both cards happily. Btw 0 balance on both cards.
Congratulations on your 0% purchase APR and reduced APR%.
@CA4Closure wrote:I have a high FICO score with Discover with <1% utilization and they will not lower my APR from 15.9% to 12%! They also will not give me a CLI even though I have an exemplary payment record with them. I am using my NFCU credit cards as my daily drivers now. Plus, Discover no longer has balance transfers for me. Every time they promote it on my profile I do not need it. When I need it, it is not available for me to use.
So I am sock drawering the Discover card for the holidays in favor or NFCU Cash Rewards and AMEX Go Rewards cards.
Count your blessings. Most of us arent getting cli either and dont have 38k limits such as yourself. Reality is it doesnt matter how much ones spend or how high ones with scores are with Miss Disco, she gives what she gives when she wants and id say she gave pretty nice with 38k 15% apr
. As for bts, a vast majority of us havent seen one in ages so thats just how it goes especially in Covid times.
@AverageJoesCredit wrote:
@CA4Closure wrote:I have a high FICO score with Discover with <1% utilization and they will not lower my APR from 15.9% to 12%! They also will not give me a CLI even though I have an exemplary payment record with them. I am using my NFCU credit cards as my daily drivers now. Plus, Discover no longer has balance transfers for me. Every time they promote it on my profile I do not need it. When I need it, it is not available for me to use.
So I am sock drawering the Discover card for the holidays in favor or NFCU Cash Rewards and AMEX Go Rewards cards.
As for bts, a vast majority of us havent seen one in ages so thats just how it goes especially in Covid times.
I was surprised to get BT offers on both my cards last month... 9 months 0% or 14 months 4.99%. But both with a 5% fee!
@dtk6802 wrote:Every 6 months I ask discover if I have any offers for lower apr or extra cash back ...
Congratulations ! You've worked them nicely.
A couple of days ago I remembered to ask & was offered choice of lowering permanent APR or 0% for 12 months -- don't have plans right now to spend a lot (and carry a balance) on the card, so I opted for a new 12.24 APR. I've had quite a CLI drought with them so this is at least something.
Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677 
Some folks can seem to work Miss Disco and others vie for her attention and affection....
-J
@James_A wrote:
@dtk6802 wrote:Every 6 months I ask discover if I have any offers for lower apr or extra cash back ...
Congratulations ! You've worked them nicely.
A couple of days ago I remembered to ask & was offered choice of lowering permanent APR or 0% for 12 months -- don't have plans right now to spend a lot (and carry a balance) on the card, so I opted for a new 12.24 APR. I've had quite a CLI drought with them so this is at least something.
Great minds think alike. I did the same thing as you a 5 months ago 😊. I opted for the same APR as you- 12.24%. Congrats to you!!
My calendar beeped yesterday. Gonna check what Miss Disco would like to give me on my Chrome
Probably ▪😄