Discover offered me 12 months of 0% apr or 16.74 indefinitely. Right now, my apr is 18.24.
What would be the smarter option for this card? Should I take the 0 for 12 months in hopes that I can negoiate a good rate after or take the 16.74?
Thank you for your advice?
I would personally take the 0% for the year. That would be a huge help if you're trying to pay something down!
Depends on what your end goals are. When my 0% intro offer ended i actually called to see what i could do with the account. They offered me a APR reducion and i didnt need it at the time since i never carry a balance but took it anyway.
Now i would love to somehow be offered the 0% purchases for a year offer but i feel im not recieving it because i took the APR reduction. I guess time will tell if i will ever get it. Good luck with whatever you decide.
Thanks all! I decided to take the promo.... wish me luck lol