So I got my Discover IT card today..

[grubs]

And along with it a pre-approval for the Discover IT with a 0% APR until June 2014 and apr following that is 9.99%. The APR I received with a 754 EQ is 0% apr for 12 months and 17.99% after the intro rate.

Should I bother calling to see if they can match?

[09Lexie]

Sure, why not? Good luck!

[wenbev]

Uh, yeah!  You'll have to call to confirm you rec'd anyway, what can it hurt?!

[grubs]

Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

[wenbev]

?? why??

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@grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

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[grubs]

I don't know...I'm thinking of calling again later to get a different rep to see if he or she could help me.

[armbenderc]

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@grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

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Crazy, they pulled TU for me here in TX and score was 731. I got the 0% 12 month thingy after that it's 15.99%

[grubs]

Crazy indeed...

[MrPickleton]

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@grubs wrote:
Why didnt a 754 fico get me that rate anyway?

Just called the lady I spoke to said that she couldn't match it and recommended me to app for the card again and cancel my current card! Wth!

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Have you opened several accounts recently or have several inquiries?

I only had one account opened in the last year, as well as only 2 inquiries when I applied.  It got me a 13.99% APR, mine is the student version.  My TU Fico was 725.  It isn't just about your fico

[mxp114]

Most if not all issuers do not allow recons on the APR, they don't have the ability to reprice the terms. I doubt Discover analyst can do so but good luck. 0% for 12 months, I would enjoy that and solicit an APR reduction in 12 months. I did and I think got mine dropped 5% at the 12 month mark.