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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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That's OK with me, thanks!
The only tip I can give is to budget properly. It can be surprising how much of a balance it's possible to build up over a year, although I do make sure to pay it off with savings and/or transfer a small portion to get a balance transfer sign-up bonus on another card.
I've been doing a better job budgeting by not having an interest-free promotion active on a card as I usually would, but again it can be a great promotion that saves/makes a few hundred dollars relative to the average market return.
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If you got the 0% card to finance a big purchase, a hefty utilization ratio might be unavoidable in the short term, but use it as motivation to pay the debt down quickly. Making a lot of purchases in a short period of time? Consider making multiple payments each month to keep your utilization ratio low and avoid maxing out your card.
https://www.nerdwallet.
I got same apr. But 1 year. Never carried a balance, had card just over 1 year. ( Mine was an email I received ~2 weeks ago)
"Did you forget to activate your promo APR?"
It said click to activate, no login required. Don't even need to chat, but I COULD NOT find a link when I logged in to my Discover account.
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Take my sincere thank you and THUMBS UP