Slickdeals is community-supported.  We may get paid by brands for deals, including promoted items.
Popular Advertiser Disclosure

Discover it Card promotional 0% Apr for 12 months for current members. - $0.00

+92 Deal Score
27,951 Views
Hello All, I recently just noticed my credit card apr went from 11.99 % to 16.74 % gradually over the course of a year. I contacted discover via chat to ask why, ( I obviously know why) but I wanted to see what they would say and if there was any promotions they can offer. 2 years ago I caught this promotion 0% apr for 12 months. I didn't think they would be able to do this again, but they did. this is actually pretty good in my eyes. This is something that you have to chat with them and ask for. I have the basic discover it card and have been with them since 2018 and use this as my main card. Thought it would be good to share. Thanks for reading.

https://www.discover.com/credit-c...dit-cards/
  • Deal Image
Discover it Card promotional 0% Apr for 12 months for current members. - $0.00
See Deal
Add Comment
Reply
Created 03-29-2023 at 06:10 PM by Jmartinez734
in Credit Cards (4) Discover.com
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score +92
27,951 Views
See Deal

104 Comments

View Forum Thread

Your comment cannot be blank.

Sign up for a Slickdeals account to remove this ad.

Joined Dec 2010
L7: Teacher
> bubble2 2,599 Posts
482 Reputation
Seven87
03-29-2023 at 07:00 PM.
03-29-2023 at 07:00 PM.
Just chatted with them and sure enough they gave me the same offer. Thanks for the heads up!
Reply
Joined Sep 2015
L3: Novice
> bubble2 159 Posts
44 Reputation
jaderxiii
03-29-2023 at 07:12 PM.
03-29-2023 at 07:12 PM.
Did you guys call or they have like online chat w customerservice?
Reply
Joined Dec 2010
L7: Teacher
> bubble2 2,599 Posts
482 Reputation
Seven87
03-29-2023 at 07:14 PM.
03-29-2023 at 07:14 PM.
Quote from jaderxiii :
Did you guys call or they have like online chat w customerservice?
Sent them a message.
Reply

This comment has been rated as unhelpful by Slickdeals users

Show Comment
HIDDENjimmytx | Staff03-29-2023 at 07:18 PM.
Joined Sep 2015
L3: Novice
> bubble2 159 Posts
44 Reputation
jaderxiii
03-29-2023 at 07:19 PM.
03-29-2023 at 07:19 PM.
Quote from jimmytx :
I don't know if you guys need to actually chat or call or message them. I just logged into my account and clicked on Card Services > Balance transfer and saw the offer there.

https://card.discover.com/cardmem...=btsavings

My offer was only for 10 months though. Note the 5% extra fee.
Or I could go with 12 months with 3.99% + 5% fee.

[Screenshot attached]

Anyone know if you chat/call/message, that you get a better offer?

Ahh i did get same one but for 14months

edit: this was for a balance transfer tho so i think its different
Reply
Last edited by jaderxiii March 29, 2023 at 07:25 PM.

This comment has been rated as unhelpful by Slickdeals users

Show Comment
HIDDENfamewolf03-29-2023 at 07:45 PM.
Joined Apr 2014
L5: Journeyman
> bubble2 544 Posts
152 Reputation
Treat25
03-29-2023 at 08:17 PM.
03-29-2023 at 08:17 PM.
Great!i got 12 months 0% apr for future purchases.
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Feb 2006
~ Always Spinning ~
> bubble2 4,401 Posts
1,610 Reputation
Pro
Tazmania99
03-29-2023 at 08:26 PM.
03-29-2023 at 08:26 PM.
5% fee is not a deal at all. I had 0% with 2% fee for 12 months in November. OK, I know fed rate raised several times since November, but I can still get 0% with 3% fee for 15 months from Citi earlier this month.

Quote from jimmytx :
I don't know if you guys need to actually chat or call or message them. I just logged into my account and clicked on Card Services > Balance transfer and saw the offer there.

https://card.discover.com/cardmem...=btsavings

My offer was only for 10 months though. Note the 5% extra fee.
Or I could go with 12 months with 3.99% + 5% fee.
Need to respond or accept offer by 4/25/2023

[Screenshot attached]

Anyone know if you chat/call/message, that you get a better offer?

(Also yeah, my APR went from 10.99 to 16.74% in such a short time, a matter of months. Crazy and sad...)

--
Okay, yeah maybe a balance transfer offer is different. So I did message, and found out that's basically live chat Smilie The representative was able to give me 0% apr for a year on future purchases. Doesn't apply to any current balance. I'll add a few more screenshots of the details I got in chat.
2
Reply
Joined Jan 2011
L7: Teacher
> bubble2 2,863 Posts
699 Reputation
wsush
03-29-2023 at 08:31 PM.
03-29-2023 at 08:31 PM.
Quote from famewolf :
If you use this card for any of it's cashback categories this is the worst choice you could make. Typically any payment you make is applied to the debt first before any new purchases so it will continue to charge interest till full payment is made. If you decide to take the 0% offer (and in some situations it's useful) then toss the card in a drawer and forget about it till it's paid off.

I mean if randy rando carries a balance, which isn't advised, 0% > 20%
Reply

This comment has been rated as unhelpful by Slickdeals users

Show Comment
HIDDENszhk03-29-2023 at 08:55 PM.
Joined Apr 2008
L3: Novice
> bubble2 225 Posts
58 Reputation
User420
03-29-2023 at 11:18 PM.
03-29-2023 at 11:18 PM.
Thanks OP and I was able to get 0% Apr for 12 months.
Reply
Joined Feb 2011
L10: Grand Master
> bubble2 11,648 Posts
1,689 Reputation
mojohnnybravo
03-30-2023 at 12:03 AM.
03-30-2023 at 12:03 AM.
Quote from famewolf :
If you use this card for any of it's cashback categories this is the worst choice you could make. Typically any payment you make is applied to the debt first before any new purchases so it will continue to charge interest till full payment is made. If you decide to take the 0% offer (and in some situations it's useful) then toss the card in a drawer and forget about it till it's paid off.
what the hecks this even mean?
Reply

This comment has been rated as unhelpful by Slickdeals users

Show Comment
HIDDENketamine03-30-2023 at 12:13 AM.
Joined Oct 2014
New User
> bubble2 46 Posts
17 Reputation
adamsmith7773
03-30-2023 at 12:17 AM.
03-30-2023 at 12:17 AM.
Quote from ketamine :
Meh, this is for balance transfers not new purchases. Pass.
This is for new purchases.

Few of the above comments here are misleading. I was able to request 0% APR and did confirm with customer service about this offer being different than the balance transfer (that shows up in everyone's mail / offers page).
Reply
Last edited by adamsmith7773 March 30, 2023 at 12:19 AM.
Page 1 of 7
Start the Conversation
 

More Credit Cards Deals & Discounts

View All
Popular
Amex Platinum - Elevated Welcome Offer of 175,000 Points (instead of 80,000)
24 106
Frontpage
Chase - Bank Advertiser
Select Chase Amazon VISA Cardholders: 5% Back on Grocery, Gas, and Dining (Valid thru 06/30)
5% Back
(Valid thru 6/30)
46 66
Select Discover Cardholders: Extra 6% cash back (on up to $500 in purchases) until 6/30 - VERY YMMV
5 2
Popular
YMMV Amex Offers Walmart.com $20 off $60
11 14
Popular
Amex Offer YouTube TV, spend $57.99 or more, earn $20 back up to 3 times, Exp 8/15/25 YMMV
9 8
Frontpage
Citi - Bank Advertiser
Select Citi Cardholders: Purchase New $65+ Eligible AT&T Wireless Plan Get $50 Back
Get $50 Back
23 34
Link Copied

The link has been copied to the clipboard.