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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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Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
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Created 11-02-2024 at 11:29 PM by PhillipJR
in Credit Cards (4) Discover.com
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Joined Feb 2006
Sorry Charlie
> bubble2 2,591 Posts
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Neurotic1
11-02-2024 at 11:35 PM.
11-02-2024 at 11:35 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 01:18 AM.
11-03-2024 at 01:18 AM.
Do they charge any other fees?
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Joined May 2008
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Cozz
11-03-2024 at 01:37 AM.
11-03-2024 at 01:37 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 Jun 2006
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namlook
11-03-2024 at 01:38 AM.

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

11-03-2024 at 01:38 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 01:41 AM.
Joined Oct 2021
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PhillipJR
11-03-2024 at 01:51 AM.
11-03-2024 at 01:51 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.