Just wanted to share recent experience with Discover the other day . Been quite awile since i asked about any apr reductions/ promos so gave a quick call the other night. First rep said i was eligible and passed me to another rep. Asked if i had any offers and was indeed granted a zero percent deal for a year on my It card, currently with a 14% apr. Very cool ( current goal is now to use this card more to maybe end a 2 year+ cli draught
) Before hanging up asked to check my Chrome and said sure could check.
Unfortunately it, no pun intended lol, was still on a 12 month deal that ends in Jan but amazingly, he offerred to lower that apr permant from 21% to 16% apr as soon as the 0% offer ends in Jan! Pretty nice of them to do that ( usually have to wait abit after promos end to request again)so very happy for a double win. Have had some recent rejections in the credit world so this is a nice feeling. Happy Holidays everyone!
Wow that is nice of them! You inspired me to call them tomorrow and ask.
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Thanks @AverageJoesCredit! I just called in the offer was either 0% for 12 months or lower my apr by 2 points from 20.99% to 18.99%. I took the 0%. I'll call back when the 0% is up and see if they will lower my permanent apr.
Wow, nice data point AJC. I'm gonna call them as well. Disco has been a tough nut to crack for me. An apr reduction would get me to dust it off for sure.
@805orbust wrote:Wow, nice data point AJC. I'm gonna call them as well. Disco has been a tough nut to crack for me. An apr reduction would get me to dust it off for sure.
Thanks. Yeah i havent been using it alot lately, mainly just keeping it alive as im embroiled in a debt battle but seeing as im probably going to use a higher limit card to do a bt, im figuring even though less rewards on my average spend, a benefit of actually using the card more is it may jar a cli as almost all my rejection letters state not enough usage. Very best thing is calling into Discover has always been pleasant so just lose a few moments of ones day. Good luck if you go for it
Howdie howdie AJC! Great news on both cards
