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
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...
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.)
Gardening Until Aug 2021
(I'm still waiting for that sweet carbon fiber design to become available.)
What??? Can you shed more light on this 😲