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

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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/
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Discover it Card promotional 0% Apr for 12 months for current members. - $0.00
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Created 03-29-2023 at 07:10 PM by Jmartinez734
in Credit Cards (4) Discover.com
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Joined Oct 2013
L9: Master
> bubble2 4,926 Posts
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This user is an Expert in Home & Home Improvement
wherestheanykey
03-30-2023 at 01:32 AM.
03-30-2023 at 01:32 AM.
Quote from adamsmith7773 :
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).

Just chatted with customer service as well and had the same experience.

Written confirmation says for purchases 3/2023 through 3/2024.
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Joined Dec 2008
L5: Journeyman
> bubble2 969 Posts
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pirezza
03-30-2023 at 01:33 AM.
03-30-2023 at 01:33 AM.
Edit: Never mind
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Last edited by pirezza March 30, 2023 at 08:46 AM.
Joined Mar 2005
L42: Old fart
> bubble2 1,073 Posts
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Pravianti
03-30-2023 at 01:34 AM.

Our community has rated this post as helpful. If you agree, why not thank Pravianti

03-30-2023 at 01:34 AM.
Be careful putting purchases on this card, particularly of anything valuable, given that Discover nerfed nearly all its purchase protections a couple years ago:
https://www.creditcards.com/card-...ng-travel/

So for buying groceries or paying parking fares, sure.
Buying a new computer or fridge, hell no.
2
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Joined Sep 2006
L10: Grand Master
> bubble2 18,127 Posts
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Superorb
03-30-2023 at 01:58 AM.
03-30-2023 at 01:58 AM.
Let the 0% credit card arbitrage begin! Has been a long time since this was worth doing again.
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Joined Dec 2006
Hellspawn
> bubble2 7,976 Posts
1,045 Reputation
ketamine
03-30-2023 at 03:10 AM.

Our community has rated this post as helpful. If you agree, why not thank ketamine

03-30-2023 at 03:10 AM.
Quote from Pravianti :
Be careful putting purchases on this card, particularly of anything valuable, given that Discover nerfed nearly all its purchase protections a couple years ago:
https://www.creditcards.com/card-...ng-travel/ [creditcards.com]

So for buying groceries or paying parking fares, sure.
Buying a new computer or fridge, hell no.
Just like everyone else, not many cc offer that type of insurance anymore.
3
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Joined Dec 2004
L7: Teacher
> bubble2 2,215 Posts
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Mungo
03-30-2023 at 03:23 AM.
03-30-2023 at 03:23 AM.
Anyone able to get 0% with no balance transfer fees?
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Joined Nov 2020
L1: Learner
> bubble2 20 Posts
SharpDesk104
03-30-2023 at 05:50 AM.
03-30-2023 at 05:50 AM.
Does this trigger credit check again, if I already have credit card?
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Joined Jun 2014
L5: Journeyman
> bubble2 566 Posts
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Barmani
03-30-2023 at 06:01 AM.
03-30-2023 at 06:01 AM.
I did the same over a month ago just to see if they have any offers asking why my APR increased without notice from 12 to 20+. They had the 0% on purchases for 12 months on my both cards. They also offered 0% on purchases for 1 yr back in mid 2020 too. I check every couple of years
1
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Joined Nov 2009
L8: Grand Teacher
> bubble2 3,290 Posts
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GoodVibrations
03-30-2023 at 06:25 AM.
03-30-2023 at 06:25 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.
I know what you're talking about, but that doesn't apply to this kind of an offer. You're thinking of how they handle balance transfers. The way Discover handles payments is they first apply to your minimum payment, then anything over that applies to your largest balance first. So if you carry a large balance transfer balance and make new purchases, it is impossible to pay off those new purchases without paying off the entire balance. So yes if you use this card for a BT, essentially you have to quit using it until you pay off the BT offer if you don't want to pay interest.

This offer is different though. This gives you 0% on all purchases within the offer period. It's not a BT offer.
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Joined Dec 2010
L6: Expert
> bubble2 1,108 Posts
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odson
03-30-2023 at 06:42 AM.
03-30-2023 at 06:42 AM.
Some people here are having problems with reading. OP talked about 0% interest rate for future purchases in the next 12m, not about balance transfer with a fee. They are totally 2 different offers.

I got both offers on my Discover card.
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Joined Nov 2015
L3: Novice
> bubble2 238 Posts
10 Reputation
Nihopayega
03-30-2023 at 06:42 AM.
03-30-2023 at 06:42 AM.
Someone explain me what is it all about? Like a 5 y o
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Joined Dec 2010
L6: Expert
> bubble2 1,108 Posts
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odson
03-30-2023 at 06:47 AM.
03-30-2023 at 06:47 AM.
Quote from Pravianti :
Be careful putting purchases on this card, particularly of anything valuable, given that Discover nerfed nearly all its purchase protections a couple years ago:
https://www.creditcards.com/card-...ng-travel/

So for buying groceries or paying parking fares, sure.
Buying a new computer or fridge, hell no.
Most credit card companies nowadays is getting harder and harder to deal with purchase protection or charging some fees that negate the benefit.
1
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Joined Jul 2008
L5: Journeyman
> bubble2 911 Posts
81 Reputation
kgiri247
03-30-2023 at 06:59 AM.
03-30-2023 at 06:59 AM.
Chatted and no go on my account, stuck with 15.25 APR. This card really stinks, pretty weak rewards should prob stop using it completely.
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Joined Apr 2018
L3: Novice
> bubble2 198 Posts
39 Reputation
Lintegras
03-30-2023 at 07:22 AM.
03-30-2023 at 07:22 AM.
Quote from Nihopayega :
Someone explain me what is it all about? Like a 5 y o

Do you have this card and use it? If so, go ask in chat for any offers they have for your account; you may get offered 0% interest for 1 year for new purchases once the offer is activated.

Any existing balance you have is not able to leverage this offer, only new purchases once the offer is activated.
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Joined Aug 2010
Let's Go Brandon!
> bubble2 4,127 Posts
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XealO
03-30-2023 at 07:54 AM.
03-30-2023 at 07:54 AM.
Been doing this every year for the past few years. It's on a 12 month deal. So once it expires, just hit up chat and ask for it again.
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