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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)
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196 Comments
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Future purchases only. I accepted the offer today 9/11 and it goes into affect 9/12
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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Take the lower rate now, chat with them again in a month and ask for the lower 0apr
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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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?
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.