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Discover Card Existing Card Holders 0% APR for Next 12 months! as Always YMMV!
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!
https://www.discover.co
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!
https://www.discover.co
Created 09-09-2021
at 06:52 AM
by IronManFan
in
Credit Cards
(3)
Discover.com
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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!
https://www.discover.co
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Will it affect your credit score? It depends. It does affect your credit score with a high credit utilization on a card. Say the credit limit of your only credit card Discover is $5,000 and you are carrying a balance of $4,000 on 0% APR. That's 80% credit utilization here and it will negatively lower your credit score. If you have many other credit cards with decent credit limits, your overall credit utilization will be trifling then, and the impact to your credit score will be minimal.
This is anecdotal, of course, but there's no reason to assume that this is going to drastically affect your credit score unless you're juggling other financial problems.
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