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Discover Card - 0% APR for 12 months via chat YMMV

+38 Deal Score
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I was logged into my Discover account and thought I'd give chat with a representative a try. It was super quick and simple. I asked about a lower rate and they offered me 0% for 12 months. This happened a couple years ago and a ton of people were able to get the offer via chat. Good luck!


Allison at 0:04, Jun 11: Hey! I'm going to be making a big purchase soon and was wondering if there are any available interest rate promotions or the option to lower my rate?

Gabrielle A. at 0:05, Jun 11: I do understand your concern with wanting a lower interest rate! I will be more than happy to look into your request!

Gabrielle A. at 0:06, Jun 11: I am showing there is two options, the first one is 0% APR on purchases for 12 months and the other one would be a lower interest rate of the variable 12.99%.

Gabrielle A. at 0:07, Jun 11: Which would you prefer?

Allison at 0:07, Jun 11: The 0% for 12 months would be PERFECT!

Gabrielle A. at 0:07, Jun 11: Awesome! The promotional rate of 0.00% will apply to new purchases starting tomorrow through 06/11/2018 and will expire on 07/16/2018. After that, the standard APR of 14.99% will apply. This APR will vary with the market based on the Prime Rate. You will receive a written confirmation of this offer.
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Created 06-10-2017 at 09:16 PM by AllyFrizzle
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71 Comments

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This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2011
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#2
chat and got it. thanks op
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Joined Oct 2009
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#3
Actually, I tried to close my discover it today. Called and the rep give me 2% cash back until the last day of 2017, same 0 apr, on top of that, use $1500 within 3 months receive $100 cash back. good luck !
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Joined Feb 2011
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#4
I assume more then the 2 posters above are trying this as this is what I see

Thank you for using Discover Card. Unfortunately, none of our representatives are available at this time due to high traffic levels.

lol
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Joined Jul 2010
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#5
I did this a couple months ago, basically after my initial promo 0% apr ended. I'm going to keep trying to do this every year lol.
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#6
do they charge any fees for 0% APR. Do you stil need to make minimum payment every month ?
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#7
Is this about Balance Transfer? I have a discover credit card. Does this mean, I would need another credit check to qualify for any balance transfers?
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#8
Quote from davcohen
:
I assume more then the 2 posters above are trying this as this is what I see

Thank you for using Discover Card. Unfortunately, none of our representatives are available at this time due to high traffic levels.

lol
lol a lot of people r getting this rn Smilie)
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Our community has rated this post as helpful. If you agree, why not rep davcohen?
#9
Quote from dealfinder0909
:
do they charge any fees for 0% APR. Do you stil need to make minimum payment every month ?
I hope you dont have a credit card
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#10
.....
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Last edited by corasi June 12, 2017 at 08:51 PM.
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#11
Quote from dealfinder0909
:
do they charge any fees for 0% APR. Do you stil need to make minimum payment every month ?
yes, you'll still need to make at least the minimum monthly payment.
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#12
I got this about 5 months ago. I wonder if it can stack?
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#13
It works thanks, I just get 12 months 0% interest
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#14
I am one of the special ones who didn't get it. I tried it few months back and again a couple days ago.
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#15
will probably try tomorrow
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