Lowering Discover APR

[n777ua]

Anyone had any experiences recently, good/bad, getting a Discover More APR lowered?  Our account has been opened since late '08 and and has never been paid late.  The current APR is 18.9% - when I called to get it lowered the CSR couldn't do it, but did mail me some form to fill out to go to a different department.  Anyone know what this form is and what it entails? I don't think I'd send it back if a HP is involved.

$6k CL, current bal $1.1k

[Anonymous]

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@n777ua wrote:

Anyone had any experiences recently, good/bad, getting a Discover More APR lowered?  Our account has been opened since late '08 and and has never been paid late.  The current APR is 18.9% - when I called to get it lowered the CSR couldn't do it, but did mail me some form to fill out to go to a different department.  Anyone know what this form is and what it entails? I don't think I'd send it back if a HP is involved.

$6k CL, current bal $1.1k

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Try calling 866-219-0214 (Retention Dept.)

[elpo9]

I filled out that form and got my APR lowered by 3%. Worth it!

[n777ua]

Just an update, I filled out the form and got a reply from Discover today, 2% reduction.

[scottwagnon]

thats odd. i never had to fill out a form. i just called and they transfered me to their salt lake city part each time.

[LS2982]

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@gobucks821 wrote:

I filled out that form and got my APR lowered by 3%. Worth it!

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Very nice!!! Congrats!!!

[LS2982]

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@n777ua wrote:

Just an update, I filled out the form and got a reply from Discover today, 2% reduction.

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Congrats!!!

[MrChairman]

I think I'll have to call Discover today and see about that. I'm at 20.99% right now with a 2K CL. Have had my card since late 2010 I think? Are they open on Saturdays?