Popular Deal Advertiser Disclosure

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

+167 Deal Score
55,881 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!

https://www.discover.com/
Share
Good deal?
You gave thanks to IronManFan for this post.
Thank you!
IronManFan posted this deal. Say thanks!
Add Comment
Created 09-09-2021 at 06:52 AM by IronManFan
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+167
55,881 Views
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%.

196 Comments

1 2 3 4 5
Post to Q&A to get a quicker answer to your question!

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2009
L7: Teacher
2,608 Posts
813 Reputation
#31
Quote from MadPup :
Discover is my most useless credit card. For one thing, it offers no extended warranty on any purchase. Compare that to the 24 months provided by Costco Citicard Visa which could be worth over 10% of the purchase price. My AmEx Blue has a few more (mostly useless) offers but is another useless card. Amazon Prime Chase Visa is good for Amazon but not great elsewhere. So right now Citicard gets my vote and Discover rarely sees the light of day.

Check out chase... just saying.. I have the following, discover (primarly used mainly because they will pay what ever I earn the first year in cash back again.. Wink ) , amex blue (yeah that is kinda useless BUT I wanted my foot in the door with them. If you havent gotten a amex yet or tried just know they are a pain in the ***, citi is a good one but I also have chase freedom unlimited (has some nice perks alot to name I prob could of gotten the preferred)

My issue now is just trying to increase my credit line.. but takes time.. its all about doing it right and paying it all off.
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Mar 2009
L5: Journeyman
581 Posts
113 Reputation
#32
Be careful when using 0% for x number of months promos. It's a very easy way to end up in debt. Make sure that you factor our how you will pay everything off by that 12th month.
Like Reaction
5
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
1
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2015
L3: Novice
289 Posts
30 Reputation
#33
have 11k on this card. thks so much!!
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2009
L7: Teacher
2,608 Posts
813 Reputation
#34
Quote from leoskee :
Be careful when using 0% for x number of months promos. It's a very easy way to end up in debt. Make sure that you factor our how you will pay everything off by that 12th month.

If your a slickdealer.. you also should know that paying this stuff off asap is the best way to make the most out of it.. if you need to carry a balance from time to time go for it but agreed if you carry a balance by that 12th month ha they are gonna be making a bunch off you and thats the trick here lol
Like Reaction
1
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2012
L2: Beginner
61 Posts
22 Reputation
#35
I knew that I shouldn't activate the 0.9% special promotion APR earlier. Sigh. Now the agent told me I had to wait till it's off my account...
Like Reaction
1
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Feb 2006
~ Always Spinning ~
3,607 Posts
1,355 Reputation
#36
I found that Discover is useful as it has 5% CB on rotating categories every quarter, including Paypal, Amazon, Target, and Walmart. Amazon Visa has no foreign transaction fee with which I found it useful for traveling. I think it really depends on an individual's spending habit.

Quote from MadPup :
Discover is my most useless credit card. For one thing, it offers no extended warranty on any purchase. Compare that to the 24 months provided by Costco Citicard Visa which could be worth over 10% of the purchase price. My AmEx Blue has a few more (mostly useless) offers but is another useless card. Amazon Prime Chase Visa is good for Amazon but not great elsewhere. So right now Citicard gets my vote and Discover rarely sees the light of day.
Like Reaction
5
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2009
L7: Teacher
2,608 Posts
813 Reputation
#37
Anyone think they will extend current ones on this?
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2015
L2: Beginner
50 Posts
12 Reputation
#38
Thank you! worked for me as well
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Mar 2006
L9: Master
4,810 Posts
804 Reputation
Pro
#39
They denied me on Chat but I was able to get it over the phone 0% for 12 months promo few weeks ago. I called back next day and got the 3% additional cash back for $2500 spend also.
Like Reaction
2
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Apr 2008
L9: Master
4,822 Posts
339 Reputation
#40
Quote from Tazmania99 :
With 0% APR on purchases, you still need to make a minimum payment each month, or you will be reported to credit bureaus about no payments.

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.
Thanks. Learning new stuff everyday Smilie
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Apr 2008
L9: Master
4,822 Posts
339 Reputation
#41
Quote from Nautian :
If I was motivated I'd use this to "borrow" and invest in the market for a return, but I'm not in the habit of not paying off my cards in full every month and don't want to start now for a bit of profit, but if anyone is motivated it's a great chance.
How would you do that? Taking out cash without any fees
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Aug 2006
L6: Expert
1,548 Posts
179 Reputation
#42
Quote from shade45 :
They denied me on Chat but I was able to get it over the phone 0% for 12 months promo few weeks ago. I called back next day and got the 3% additional cash back for $2500 spend also.
Tell me more about the additional 3% cb offer
Like Reaction
5
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2008
L8: Grand Teacher
3,807 Posts
505 Reputation
#43
I always have 0% apr because I pay my balance every month. You should too. Unless in an exceptional circumstance where it makes financial sense to hold a balance, I'll give you that.
Like Reaction
1
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
4
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined Aug 2020
L5: Journeyman
738 Posts
#44
Quote from stasis :
How would you do that? Taking out cash without any fees
No, as in put all of your normal spend on the CC and do not pay it down (with the exception of min payment if needed), use the money you would've used to pay the card every month into an investment then at the end of the 12 month you can theoretically take out the investment and payoff the card's total in full and pocket the theoretical profit. Of course if you have a small credit limit and/or don't have that much credit card expenditure to begin with it's not a fruitful opportunity.
Like Reaction
1
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
0
Reply
This comment has been rated as unhelpful by Slickdeals users
Joined May 2005
L10: Grand Master
9,465 Posts
702 Reputation
#45
delete...
Like Reaction
0
Funny Reaction
0
Helpful Reaction
0
Nothelpful Reaction
2
Reply
Last edited by smartdeals September 9, 2021 at 11:20 AM.
Page 3 of 14
1 2 3 4 5
Join the Conversation
Add a Comment
 

Trending Stores

Coupons for Popular Stores

Link Copied to Clipboard

Slickdeals is community-supported. We may get paid by brands or deals, including promoted items.