Interesting Discover Apr redux dp

[AverageJoesCredit]

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!

[Rudy1]

Wow that is nice of them! You inspired me to call them tomorrow and ask.

[Rudy1]

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.

[805orbust]

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. 

[AverageJoesCredit]

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@Rudy1 wrote:

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.

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Thats great! Nothing better than seeing an apr go down lol. Enjoy!

[AverageJoesCredit]

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@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. 

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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

[GApeachy]

Howdie howdie AJC!  Great news on both cards

[pinkandgrey]

Yeah, Disco is pretty great with the "ask and you shall receive" stuff lol. 
Congrats, @AverageJoesCredit , and good to see you back on the forums!

[Guyatthebeach]

AJC,

Great data point.  I will call them to see if they lower my APR when I make a payment on the account.  I am not holding my breath because that card gets PIF monthly. 

Guyatthebeach

[AverageJoesCredit]

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@GApeachy wrote:

Howdie howdie AJC!  Great news on both cards

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Howdy @GApeachy  thanks,  still thankful i have my Discos lol