What's your interest rate on discover it?

[creditnocash]

i normally always pay in full. 

i keep getting pre approvals for the discover it. 

last time they offered me 12 months and 16.99 after. 

today is 14 months 0% for bts and purchases and 12.99 afterwards.

also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases) 

im glad my credit is heading in the right direction. 

i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)

[LS2982]

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@creditnocash wrote:

i normally always pay in full. 

i keep getting pre approvals for the discover it. 

last time they offered me 12 months and 16.99 after. 

today is 14 months 0% for bts and purchases and 12.99 afterwards.

also got a city simplicity, with a pre approval for 0% for 18 months and 13.99 afterwards (not for for purchases) 

im glad my credit is heading in the right direction. 

i believe my freedom is 21% and my citizens is 19%..... (both in 0% intro right now)

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22.99%

[Rhaeny]

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.

[09Lexie]

In 2014, it will be 20.99% 😩

[LS2982]

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@Rhaeny wrote:

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.

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Sounds like the 6 month deal then it goes up. When did you get the card???

[Rhaeny]

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@LS2982 wrote:

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@Rhaeny wrote:

I just looked at my statement and it says 3.99% even though I haven't paid one dime of interest on the card...LOL!!  I'm not sure if this is an introductory rate or not (probably is) and the cash advance is 24.99%.

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Sounds like the 6 month deal then it goes up. When did you get the card???

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December

[Open123]

Mine is 16.99%, but used to be higher since I had chosen the $200 bonus over the lower APR on the card builder section.

[eviLution]

0% til march 2014 and 18.99% after

[creditnocash]

did any of you guys take the promo, and then the interest rate was higher? 

im really debating this deal, but i am in the garden. 

eq is my worst report for inquries...  8 in 2 years. 1 is a double for a car loan..  2 over a year 2 at 10 months and the rest on august 30th. 

[Open123]

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@creditnocash wrote:

did any of you guys take the promo, and then the interest rate was higher? 

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I did it when they had the card builder where you could select the sign-up bonus, APR and 0% duration.  The lower the APR or the longer the 0%, the lower the sign-up bonus and vice versa.

I selected the highest sign up bonus at $200, but had the highest APR at 20.99% and very short 0% promo (3 or 6 months).  After a year, they lowered my APR to 16.99%; so, whatever you choose, after 12 months they can re-evaluate and lower the APR.