Successful Discover APR reduction

[Xic]

Recently got denied a CLI because I don't put enough on the card with my current limit. Decided to hit up the chat and ask if I would be able to get an apr decrease. My last fico scorecard from them said that my TU score is 700. I got a reply back pretty quickly saying that I was eligible for a decrease of a little over 1% (19.99 to 18.59). Kinda bummed I didn't get a 0% apr temp offer but a decrease is better than no decrease!

[AllZero]

Congratulations on your APR reduction!

[CreditAggie]

Congratulations on your Discover APR reduction!

[Ficoproblems247]

Nice work on the reduction! Out of curiosity, where did you go to request that via message? The last time I tried via the chat function, I was told that was something that could only be done over the phone. From their main web page I went to help--inbox--message an agent. Either there is a different place to go, or I just was connected with a department that did not have that ability. 

[M_Smart007]

Grats on your Disco APR reduction!

[M_Smart007]

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@Ficoproblems247 wrote:

Nice work on the reduction! Out of curiosity, where did you go to request that via message? The last time I tried via the chat function, I was told that was something that could only be done over the phone. From their main web page I went to help--inbox--message an agent. Either there is a different place to go, or I just was connected with a department that did not have that ability. 

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@Ficoproblems247, In the past, I was successful in doing it via chat.

[Xic]

@Ficoproblems247 

I did it through the chat function on the app.

[Anonymous]

Congrats!

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@Xic wrote:

Recently got denied a CLI because I don't put enough on the card with my current limit. Decided to hit up the chat and ask if I would be able to get an apr decrease. My last fico scorecard from them said that my TU score is 700. I got a reply back pretty quickly saying that I was eligible for a decrease of a little over 1% (19.99 to 18.59). Kinda bummed I didn't get a 0% apr temp offer but a decrease is better than no decrease!

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[Anonymous]

I did mines in November via chat too. I was also told I can ask for another reduction in 6 months. Congrats to you.

[Mr_Mojo_Risin]

Congratulations on the reduction!

Thanks for this thread, you reminded me I could ask for a reduction. 

Last time they told me I needed to have the card for at least a year. 

Sent a message earlier and they wouldn't lower my APR but gave me the 0% for 12 months on purchases.

I've never carried a balance but you never know what might come up.

Thanks to @Xic