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Lowest Discover APR you all have?

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Established Contributor

Re: Lowest Discover APR you all have?

This was one of my rebuild cards, and I have never tried to get a permanent reduction so I am at 22.99%.  I don't carry a balance so I have never bothered with trying to get it lowered.  I do regularly get promotional offers, I am 1.90% on everything until 12/24. Is it a HP to get a reduction in APR?  

My lowest across all cards is 10.99% on the NASA FCU.  CFF is my next lowest at around 14.99%.   Everything else I cringe when I see but since I haven't carred a credit card balance in a very long time I don't stress too much. 





Message 21 of 53
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Senior Contributor

Re: Lowest Discover APR you all have?

My standard is 12.99% though I'm on a 0% promotional rat ATM. I don't really see the need to have it lowered when i haev acess to 0% BT or Promotional Purchases, if somethign comes up ahead of teim I'll call in and ask for it, if it's totally unexpected I'll just BT the Funds to my Bank account.






Message 22 of 53
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Moderator

Re: Lowest Discover APR you all have?


@sxa001 wrote:

This was one of my rebuild cards, and I have never tried to get a permanent reduction so I am at 22.99%.  I don't carry a balance so I have never bothered with trying to get it lowered.  I do regularly get promotional offers, I am 1.90% on everything until 12/24. Is it a HP to get a reduction in APR?  

My lowest across all cards is 10.99% on the NASA FCU.  CFF is my next lowest at around 14.99%.   Everything else I cringe when I see but since I haven't carred a credit card balance in a very long time I don't stress too much. 


@sxa001 nah every 6 months can ask for a SP apr reduction

Message 23 of 53
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Super Contributor

Re: Lowest Discover APR you all have?

I'm at 15.24%.  I haven't paid them a penny of interest in 4+ years of having the card, so the rate is sort of irrelevant to me personally.

Message 24 of 53
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Super Contributor

Re: Lowest Discover APR you all have?

Got a renewed 0% promo on an old account that ran from 8/19 to 8/20. Back to 13.24% now.

 

If I could carry $30k at 1.99% for 36 months, I'd happily do that and keep other funds invested. But with a $3k CL (joint account means CLI is a PITA) and little spend on the card it's not worth carrying a balance at anything other than 0%.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 25 of 53
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Valued Contributor

Re: Lowest Discover APR you all have?

AU on DW's Disco since 2004. Permanent APR of 6.99%. Lowest we got on any card/s with BT offers that never seem to go away!

 

 

2692F3E9-9EFC-42BB-8D6F-14C212BBC7BD.jpeg

 

BK7 dc in 01/2011 with FICO8 in the 500s

New cc TLs : 1/6 ; 1/12 ; 2/24
HPs EX 2 EQ 2 TU 1
AAoA 5y4m
UTIL 1% - 3%

$220K+ Total Limits










Message 26 of 53
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Established Contributor

Re: Lowest Discover APR you all have?

The DGF is at 11.99 and has been offered another one at the same.












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Message 27 of 53
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Community Leader
Senior Contributor

Re: Lowest Discover APR you all have?

Stuck at 16.74

Citi on the other hand keeps dropping the APR on my DC lol. Citi likey me

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 28 of 53
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Community Leader
Mega Contributor

Re: Lowest Discover APR you all have?

Thanks to @CreditCuriosity  i decided to check both cards and give it a try. Since i got a redux back in Apr on my Chrome, no offers availble until Nov. Tried on my It card and got 2 offers. 0% apr promo for 12 months on new purchases or a permanent apr redux.  The 0% is nice but i might see one in Nov on Chrome so went for the permanent redux. 16.24 down to 14.24% Smiley Happy. Regardless if one always PIF its nice to see apr loweringSmiley Wink

Message 29 of 53
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Epic Contributor

Re: Lowest Discover APR you all have?


@AverageJoesCredit wrote:

Thanks to @CreditCuriosity  i decided to check both cards and give it a try. Since i got a redux back in Apr on my Chrome, no offers availble until Nov. Tried on my It card and got 2 offers. 0% apr promo for 12 months on new purchases or a permanent apr redux.  The 0% is nice but i might see one in Nov on Chrome so went for the permanent redux. 16.24 down to 14.24% Smiley Happy. Regardless if one always PIF its nice to see apr loweringSmiley Wink


Yes, Congrats AJC!

popcorn eating emoticon.gif

Message 30 of 53
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