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

+167 Deal Score
55,890 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/
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Created 09-09-2021 at 06:52 AM by IronManFan
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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 Jan 2007
L3: Novice
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#136
Used the message/chat feature in the Discover app. I was initially offered 0.9% for 9 months so I asked if there was a way to get the 0% for 12 months that everyone else is talking about. They came back in a few minutes and offered it to me. Signed up and I'm good to go now. Always nice to have something like this around in case a big purchase comes up. Maybe I can put a down payment on a lease return and make some money via Turo. Shrug.
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Joined Oct 2014
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#137
Quote from WandaVision :
I don't think you are lying, I am just saying there are apparently other factors at work if your score dropped "quite a bit"...
Isn't utilization ~30 or 35% of your score? I could see maxing out any card could hurt your score.
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#138
It worked for me today, no problems on my end .
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Joined Jan 2004
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#139
Buy a car with 0% apr for 12 months?
No loans, just straight credit.
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#140
delete
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#141
Quote from Samwise Gamgee :
Buy a car with 0% apr for 12 months?
No loans, just straight credit.
i had a bank (lender) that accepted discover card on their payment portal. use the card to payoff a note.
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#142
worked for me. Thanks OP
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#143
worked for me!!
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#144
I get those every 12 months lol
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#145
Quote from Samwise Gamgee :
Buy a car with 0% apr for 12 months?
No loans, just straight credit.
Dealers will charge you to use your card.
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#146
Worked for me. Thanks!
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Joined Nov 2006
L5: Journeyman
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#147
Got it! Thanks! Son and daughter in law are about to settle on their first home and need some stuff. This plus 5% cash back at Amazon, Target and Walmart in October plus black Friday sales should help!
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#148
Quote from DealGypsy :
Dealers will charge you to use your card.
bot all dealers. I have used a credit card at various dealers for decades for the down payment and in one case a $4500 car outright. but as always...ymmv
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Joined May 2015
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#149
I was also offered 0% for 12 months. This is only on new purchases not an existing balance. They also offered a rate reduction instead. But for me that was only 2% difference and obviously 0% is a better deal.
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#150
Worked for me, thanks OP!
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