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Discover Card Existing Card Holders 0% APR for Next 12 months! as Always YMMV!

+152 Deal Score
46,766 Views
Worth a shot to log in to your Discover card account and "chat" a rep. Four months ago, I came off a 12 month 0% APR on purchases and just got it again by asking. Of course TWO months ago I asked if there were any special APR rates and was told "no." Last chat was this:
Me: "Good morning, I was wondering if there were any special offers available on my card"
Rep: "Was there anything in particular you were looking for?"
Me: "Special APR for purchases or anything interesting?"
Rep: "I show you are eligible for 0% APR for the next 12 months, would you like me to apply that to your account?"
Me: Sure, thanks!

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Created 09-09-2021 at 06:52 AM by WandaVision
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Questions & Answers BETA
madshakes asked this question on 09-09-2021 at 12:52 PM
09-09-2021 at 12:52 PM
Does not. They tell you that right away.
stasis asked this question on 09-09-2021 at 10:00 AM
09-09-2021 at 06:06 PM
Typically carrying zero balance and carrying more than a small percentage of available balance will slightly negatively effect your score. Not a huge deal unless you are borderline and expect a large purchase soon.
geo2209 asked this question on 09-10-2021 at 02:37 PM
09-10-2021 at 02:37 PM
Yup, they do it all the time. The problem is they charge transaction fee on 0% BT, somewhere between 2% and 4%.

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This comment has been rated as unhelpful by Slickdeals users
Joined Oct 2017
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#2
Thanks OP, good to have not that i use the APR as i pay of in full every month:

Same convo as the OP:

Me: "Good morning, I was wondering if there were any special offers available on my card"
Rep: "Was there anything in particular you were looking for?"
Me: "Special APR for purchases or anything interesting?"
Rep: "I show you are eligible for 0% APR for the next 12 months, would you like me to apply that to your account?"
Me: Sure, thanks!
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#3
Thanks, OP. worked for me as well. Repped!
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#4
Worked for me. This is my first time trying and I've been with them for 4 years btw. Thanks op!
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#5
Worked for me. Took 10mins on chat. Thanks OP!
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#6
Worked! Thanks OP!
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#7
Worked for me too. Thanks OP!
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09-09-2021 at 08:33 AM
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Our community has rated this post as helpful. If you agree, why not thank ?
#9
Another worked for me, granted I never carry a balance on this card, but oh well. Good to have anyways.
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#10
Worked like a charm although I pay off my balance monthly. It's good to know I have it.

FYI - they gave me the option to reduce my APR or take the 0% on purchases but not both
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Last edited by tranln September 9, 2021 at 09:16 AM.
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#11
Worked for me
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#12
Worked for me too!
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#13
Got it thanks
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#14
Worked and thanks OP.
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#15
Wtf all I got was .9% interest for 6 months!
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