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

+168 Deal Score
61,317 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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Discover Card Existing Card Holders 0% APR for Next 12 months! as Always YMMV!
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Created 09-09-2021 at 06:52 AM by IronManFan
in Credit Cards (3) Discover.com
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Joined Mar 2008
L3: Novice
> bubble2 212 Posts
43 Reputation
landogriffin
09-17-2021 at 06:59 AM.
09-17-2021 at 06:59 AM.
I never carry balances, but I'll short the dollar. Got this, asked for a credit limit increase, bought 200 oz of silver, and set to minimum monthly payments for the 1st time ever until promo is over. Rather use free money for metals and my earned money for Bitcoin. Overall credit utilization low, not buying a house in the next year. Thanks, Discover.
1
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Joined May 2009
L3: Novice
> bubble2 186 Posts
14 Reputation
tallassmike
09-17-2021 at 01:13 PM.
09-17-2021 at 01:13 PM.
What's the percentage of the balance going to be to affect FICO score? 20%?

Now that I have this 0% APR promo, I'm thinking of making an excessive purchase that will take about 50% of my credit limit.
Reply
Joined Dec 2005
L4: Apprentice
> bubble2 469 Posts
58 Reputation
wgharper
09-20-2021 at 11:49 AM.
09-20-2021 at 11:49 AM.
Just sharing my experience that this is still available. Used chat and was immediately offered the 12 months @ 0%. Thanks for the heads up!
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Joined Dec 2010
L7: Teacher
> bubble2 2,573 Posts
567 Reputation
Pro
MICHAELSD
09-22-2021 at 10:01 PM.
09-22-2021 at 10:01 PM.
Quote from wgharper :
Just sharing my experience that this is still available. Used chat and was immediately offered the 12 months @ 0%. Thanks for the heads up!
Is there going to be a time limit for this offer? I'll try to wait until around the holidays for added flexibility. Around January is the best time for the promotion to expire IMO.
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Joined Jan 2007
L3: Novice
> bubble2 191 Posts
34 Reputation
nodoubts2k
09-24-2021 at 06:42 AM.
09-24-2021 at 06:42 AM.
No go for me, I had a 0% that concluded in August. They offered me 14% APR.
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Joined Oct 2008
Dealiker
> bubble2 361 Posts
117 Reputation
negma
09-24-2021 at 06:56 AM.
09-24-2021 at 06:56 AM.
Called yesterday and got 0% for 12 months within a minute.. this is my 3rd or 4th time getting this in last 18 years...
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Joined Dec 2004
L10: Grand Master
> bubble2 12,513 Posts
1,365 Reputation
kensteele
09-24-2021 at 07:45 AM.
09-24-2021 at 07:45 AM.
Quote from landogriffin :
I never carry balances, but I'll short the dollar. Got this, asked for a credit limit increase, bought 200 oz of silver, and set to minimum monthly payments for the 1st time ever until promo is over. Rather use free money for metals and my earned money for Bitcoin. Overall credit utilization low, not buying a house in the next year. Thanks, Discover.
like you, i am also changing my auto pay from "statement balance" to "minimum due"
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Joined Oct 2010
L3: Novice
> bubble2 293 Posts
209 Reputation
pradeepln
09-28-2021 at 05:36 PM.
09-28-2021 at 05:36 PM.
I got this offer today, thanks rep
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Joined Feb 2014
L1: Learner
> bubble2 4 Posts
10 Reputation
madladluc
09-30-2021 at 06:15 AM.
09-30-2021 at 06:15 AM.
Worked for me! Thank you.
Reply
Joined Nov 2015
New User
> bubble2 3 Posts
10 Reputation
prasannchristian
09-30-2021 at 07:38 AM.
09-30-2021 at 07:38 AM.
Repped . Good find
Reply
Joined Dec 2013
L3: Novice
> bubble2 109 Posts
26 Reputation
CptSmith
10-06-2021 at 07:54 AM.
10-06-2021 at 07:54 AM.
Still working for me, they did ask me why I was asking for any "special offers" and I just said I'm going to be making purchases for the holiday season as a generic reason. They applied it after that no problem.
Reply
Joined Jun 2014
L6: Expert
> bubble2 1,147 Posts
38 Reputation
rudyae86
10-29-2021 at 12:45 PM.
10-29-2021 at 12:45 PM.
Quote from landogriffin :
I never carry balances, but I'll short the dollar. Got this, asked for a credit limit increase, bought 200 oz of silver, and set to minimum monthly payments for the 1st time ever until promo is over. Rather use free money for metals and my earned money for Bitcoin. Overall credit utilization low, not buying a house in the next year. Thanks, Discover.

I want to do the same thing. How's Bitcoin going for you though? I'm still holding but not sure when to sell.
Reply
Joined Mar 2008
L3: Novice
> bubble2 212 Posts
43 Reputation
landogriffin
10-30-2021 at 03:41 PM.
10-30-2021 at 03:41 PM.
Quote from rudyae86 :
I want to do the same thing. How's Bitcoin going for you though? I'm still holding but not sure when to sell.
That's a loaded question. I'm one of those people that think BTC will be become the world reserve currency evenutally. The US gov't has put us in a spot where there's nothing they can do but default or implicitly default by printing more and more. I won't ever sell more than half of my holdings, and only bc I want to buy back lower.

If that's not you and you want to sell near the top of the upcoming blowoff to this bull cycle just to get more fiat then there's a few traders/analysts on twitter I trust. @360trader @100trillionUSD @WClementeIII @KevinSvenson_ @TechDev52 @JesseOlson @888Velvet, to name a few
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Joined Nov 2014
L3: Novice
> bubble2 133 Posts
18 Reputation
joserios90
12-04-2021 at 07:19 PM.
12-04-2021 at 07:19 PM.
I gave it a try and it worked!
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Joined May 2012
L3: Novice
> bubble2 256 Posts
129 Reputation
last-shadow
12-05-2021 at 10:19 AM.
12-05-2021 at 10:19 AM.
Worked. Thanks op. So how does this work with the existing balance on the card? Im assuming they will change the period cut off date to line up with the promo start date?
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