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

+167 Deal Score
55,873 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 Jul 2014
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#151
Thanks, Rep gave me 2 options 0% for 12 months or lower APR 4%....
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#152
Quote from selvaspk :
if i call them and ask, its going to only apply for future purchases or can it be applied for last week purchase? My billing is 3 weeks from now.
Future purchases only. I accepted the offer today 9/11 and it goes into affect 9/12
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#153
Ive had this since march. Basically if your balance is less than 10% your credit limit and you have a credit score over 750 they will offer you this!
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Joined Apr 2018
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#154
I've gotten this every year for the past 5 years. When it expires wait until 2 months and 1 day after it expires and they'll give it to you for another year through chat.
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Joined Jan 2004
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#155
Is there potential for accumulating such a huge balance that it becomes overwhelming to pay off?

I pay my balance monthly. 0% apr is nice.
I'd imagine you'd still want to pay more than the minimum monthly? So the balance never gets out of hand?
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Last edited by Samwise Gamgee September 11, 2021 at 08:26 PM.
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#156
Got the same deal as OP, by simply asking. Sweet!
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#157
I got offed that deal and lowered my rate from 15.5% to 12.24%
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Joined Oct 2013
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#158
Quote from edmartinez44 :
Thanks, Rep gave me 2 options 0% for 12 months or lower APR 4%....
Take the lower rate now, chat with them again in a month and ask for the lower 0apr
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#159
Thank you! Just tried it - and it worked for me as well!!!
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#160
Quote from Samwise Gamgee :
Is there potential for accumulating such a huge balance that it becomes overwhelming to pay off?

I pay my balance monthly. 0% apr is nice.
I'd imagine you'd still want to pay more than the minimum monthly? So the balance never gets out of hand?
Yes. I've done it lol. We moved some money around and paid it, but it hurt. It wasn't so much "extra" spend, as us putting EVERYTHING on this card for a year and paying off other debt, but definitely had sticker shock at the end.
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#161
Don't leave a balance on your credit cards month to month... Mmmkay folks. 😉
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#162
I've had a discover card for like 10 years and do this every few years. Theyve never said no
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#163
Do you still have to pay finance fees with 0 apr? If I take this offer, I can pay the monthly minimum and don't have to worry about any hidden fees? Thanks.
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#164
Quote from DaronMax :
Do you still have to pay finance fees with 0 apr? If I take this offer, I can pay the monthly minimum and don't have to worry about any hidden fees? Thanks.
if you follow the terms, you won't have to worry about hidden fees.
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#165
Quote from Samwise Gamgee :
Is there potential for accumulating such a huge balance that it becomes overwhelming to pay off?

I pay my balance monthly. 0% apr is nice.
I'd imagine you'd still want to pay more than the minimum monthly? So the balance never gets out of hand?
Yes of course you can technically accumulate a balance up to the credit limit of the card. Frankly they're probably counting on a certain amount of people to do that since they make the most money off of people carrying huge balances and only paying the minimum. It's up to you to budget properly. I mostly use it for purchases I would have made anyway.

If you're not investing the money and just putting it in a savings accounts then I suppose it could make sense to pay more than the minimum so it doesn't get out of hand but you don't have to worry about that as long as you make sure to have enough money saved to pay it off at the end of the promotion.
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Last edited by MICHAELSD September 12, 2021 at 10:58 PM.
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