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I never even thought of asking because it started out as a secured card, graduated a few months ago and didn't think it was possible to do. Well on user minimal_debt advice I logged in, went to messaging and asked if they would do it and sure as **bleep**, they did. While it took awhile to get someone to respond to me and I had to log back in several times this was the response.
LOL I am sorry about that, but i did have time to see what promotions we have and I can see that you have an awesome one here. The promotional rate of 0.00% will apply to new purchases starting 12/21/2019 through 12/20/2020 and will expire on 01/25/2021.After that, the standard purchase APR of 24.49% will apply. This APR will vary with the market based on the Prime Rate. You will receive a written confirmation of this offer. Would you like me to accept this for you?
Edit: Adding data points from my current Experian credit report.
Experian FICO 8 688
I've had the Discover card for 15 months
Utilization is 9%
Discover utilization is at 25%
Other accounts at 14, 21, 13 and 17% utiization
No collections and 1 auto loan charge off from TD bank that is set to fall off anyday now.
Paging @minimal_debt
Awesome! I'm hoping to go another round @ 0% APR next month!
I still think it's totally awesome that Disco does this. I am covered with 0% until 12/2020 but I absolutely will ask them about it if I need it.
@Anonymous wrote:I never even thought of asking because it started out as a secured card, graduated a few months ago and didn't think it was possible to do. Well on user minimal_debt advice I logged in, went to messaging and asked if they would do it and sure as **bleep**, they did. While it took awhile to get someone to respond to me and I had to log back in several times this was the response.
LOL I am sorry about that, but i did have time to see what promotions we have and I can see that you have an awesome one here. The promotional rate of 0.00% will apply to new purchases starting 12/21/2019 through 12/20/2020 and will expire on 01/25/2021.After that, the standard purchase APR of 24.49% will apply. This APR will vary with the market based on the Prime Rate. You will receive a written confirmation of this offer. Would you like me to accept this for you?
AWESOME!
A great holiday present.
Happy Holidays to You.
And thanks to minimal_debt for sharing info.
@Anonymous wrote:I still think it's totally awesome that Disco does this. I am covered with 0% until 12/2020 but I absolutely will ask them about it if I need it.
Agree and I'm asking even if I don't need it.
@CreditInspired wrote:
@Anonymous wrote:I still think it's totally awesome that Disco does this. I am covered with 0% until 12/2020 but I absolutely will ask them about it if I need it.
Agree and I'm asking even if I don't need it.
I would but I don't want to be in that 6 month period when you can't ask for another one and actually need it. I have SavorOne, Cash Magnet, BCP, Disco Miles, and Citi R+ all with 0% right now and the R+ doesn't end until 12/2020.
I will be asking them for a permanent APR reduction on 12/26 though.