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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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196 Comments
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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..
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.
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
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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.
Thanks. Learning new stuff everyday
How would you do that? Taking out cash without any fees
Tell me more about the additional 3% cb offer
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.
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