No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So was curious as lowest published APR is 11.99. I was at 12.99.. I decided to call discover just a moment ago as was bored and not really applying for credit atm just going for SP CLI's, etc.. So called and asked for APR reduction as believe it was over 6 months since last one. Was offered permanent one at 11.24%.. Was kinda suprised was expect it to be 11.99% so obviously they go below their published APR. What is the lowest you all have on the card that I love to hate
Fun question. For regular APR, I'm at 10.99 on mine, and the % over prime is the same as when I opened the card. I also have a temp APR of 0.9% atm which they offered to me about a month ago for some reason, but that's a different thing.
At 0% promotional APR on old card.
Newer card is at 14.24%, cannot get reduced until after Feb. 2021
Discover Love/Hate
19.99% currently
14.24% on IT (with 0% until next October) and no idea on Miles because it's in its intro 0% until next month.
I could have asked for a reduction last month but went for the 0% instead.
11.99 is what I got going for me.. but I have a BT and a 0% on new purchases until Dec...
Seen as low as the 10s for perm APR...
-J
So appears in 6 months more i should be able to get lower than 11.24.... They do go below published APR just like Amex, Citi etc..
I'm at 13.99...I'll be giving them a call and ask for a lower rate. The worst that can happen is they say no. (I'm still waiting for that sweet carbon fiber design to become available.)
@AZ-Jeff wrote:(I'm still waiting for that sweet carbon fiber design to become available.)
What??? Can you shed more light on this 😲