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Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders

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My Son In Law chatted with Discover online via their chat customer service on their website and asked if he could get a lower APR and they gave him for 12 months for 0.00% APR.

This is perfect time for the holiday season and they even gave it to me as well!

He suggusted I told my other family members about it so I thought I would share it here too.

Good luck all and I hope everyone else gets it too! I am sure not all will be able to get it but worth the try!

https://www.discover.com/credit-cards/
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Created 11-02-2024 at 10:29 PM by PhillipJR
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Joined Feb 2006
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Neurotic1
11-02-2024 at 10:35 PM.
11-02-2024 at 10:35 PM.
Is this for existing balances or for new purchases? Nm, just read the small print in your screen shot. Thank you.

For new purchases.
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Rocket_US
11-03-2024 at 12:18 AM.
11-03-2024 at 12:18 AM.
Do they charge any other fees?
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Joined May 2008
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Cozz
11-03-2024 at 12:37 AM.
11-03-2024 at 12:37 AM.
Quote from PhillipJR :
My Son In Law chatted with Discover online via their chat customer service on their website and asked if he could get a lower APR and they gave him for 12 months for 0.00% APR.

This is perfect time for the holiday season and they even gave it to me as well!

He suggusted I told my other family members about it so I thought I would share it here too.

Good luck all and I hope everyone else gets it too! I am sure not all will be able to get it but worth the try!

https://www.discover.com/credit-cards/
Question: in your case- was this for a new card application or for a current card/ member offer?

I only see 0% apr for new applications, on their site.

This is a great deal for any current Discover member that can get it without a new application.
Right before the holidays too. Time for a chat. Thanks.
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Joined May 2006
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namlook
11-03-2024 at 12:38 AM.

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11-03-2024 at 12:38 AM.
I did this a few years ago where I got the 0% rate for a year and I invested the money instead of paying the balance. I noticed my credit score which was over 800 took a pretty substantial hit because I was carrying a large balance. I can't remember how much it went down though. I had a lot of unused credit on other cards so it was only a small portion of my credit used and I was surprised that it affected my score as much as it did.
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Last edited by namlook November 3, 2024 at 12:41 AM.
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PhillipJR
11-03-2024 at 12:51 AM.
11-03-2024 at 12:51 AM.
Quote from Cozz :
Question: in your case- was this for a new card application or for a current card/ member offer?

I only see 0% apr for new applications, on their site.

This is a great deal for any current Discover member that can get it without a new application.
Right before the holidays too. Time for a chat. Thanks.
A current card / customer. No new appliction or credit check / hard pull. That is true, a great thing to have right before the holiday season purchases.

Quote from Rocket_US :
Do they charge any other fees?
Nope.


Just made sure to pay off my current balance so everything will have no APR and nothing old is left behind to get APR charges.
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Joined May 2008
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Cozz
11-03-2024 at 01:19 AM.
11-03-2024 at 01:19 AM.
Just finished the online chat with Discover. I simply asked them if the 0% apr was for new customers or for current customers as well. I was promoted for 0% APR for 1 year without any credit pull. Thank you again!
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Joined Aug 2010
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Truth-Serum
11-03-2024 at 01:08 AM.

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11-03-2024 at 01:08 AM.
Interested as I have to buy car parts since I hit a deer. Modern cars are over engineered. Friggin adaptive headlights and sensors cost $1000+
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wmbanker
11-03-2024 at 01:46 AM.
11-03-2024 at 01:46 AM.
Thank you. Just finished with online chat. Worked perfectly. 12 mos. 0% promo added.
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GhostGrayBolt
11-03-2024 at 02:52 AM.
11-03-2024 at 02:52 AM.
Quote from namlook :
I did this a few years ago where I got the 0% rate for a year and I invested the money instead of paying the balance. I noticed my credit score which was over 800 took a pretty substantial hit because I was carrying a large balance. I can't remember how much it went down though. I had a lot of unused credit on other cards so it was only a small portion of my credit used and I was surprised that it affected my score as much as it did.
Then there's a something else going on with your credit. I was carrying a $25,0000 balance and my score was fluctuating by only plus or minus 8 points on a credit score of 780
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GhostGrayBolt
11-03-2024 at 02:53 AM.
11-03-2024 at 02:53 AM.
Quote from Truth-Serum :
Interested as I have to buy car parts since I hit a deer. Modern cars are over engineered. Friggin adaptive headlights and sensors cost $1000+
Which is why you carry insurance on the second most valuable asset you have...
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Joined Jan 2019
Huntin Deals
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dorcusmafia
11-03-2024 at 02:56 AM.
11-03-2024 at 02:56 AM.
I have done this pretty much every year for the last 3-4 years. Just make sure you pay the card off in full by the time your promo APR ends. (I recommend creating a Calendar event)

Usually when the promo runs out you wait about a month and can do this again, in my experience having a near zero balance when you request it gives you a higher chance of them offering it when you ask.
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Joined Jan 2020
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HonestPicture2245
11-03-2024 at 03:07 AM.
11-03-2024 at 03:07 AM.
Was it the virtual assistant or an actual person on the chat? My response from the virtual assistant: Your current purchase APR is 25.74% variable. You don't have any promotional APRs on your account.


You can also find the APR on your statement. Simply click here, then "Select Activity or Statement Period". From that menu, select the current statement and then "View Billing Statement PDF".
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mrbear
11-03-2024 at 03:16 AM.
11-03-2024 at 03:16 AM.
Quote from namlook :
I did this a few years ago where I got the 0% rate for a year and I invested the money instead of paying the balance. I noticed my credit score which was over 800 took a pretty substantial hit because I was carrying a large balance. I can't remember how much it went down though. I had a lot of unused credit on other cards so it was only a small portion of my credit used and I was surprised that it affected my score as much as it did.

Credit scores also look at % utilization on the card itself (along with total utilization on all your cards). If one card is above 30% (or 40%), then your score drops. Once you pay it off, your score comes back up. I just paid off a 0% interest card that had 37% utilization and my score came back up to previous score (830 to 837, small number but good to know it was that card balance).
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