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

+66 Deal Score
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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 Jan 2006
WOOOOOOO
> bubble2 1,406 Posts
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RicFlair
11-03-2024 at 03:27 AM.
11-03-2024 at 03:27 AM.
Quote from HonestPicture2245 :
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".
Type in "Live Agent"
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Joined Jan 2006
WOOOOOOO
> bubble2 1,406 Posts
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RicFlair
11-03-2024 at 03:30 AM.
11-03-2024 at 03:30 AM.
Worked for me thanks!


Thank you for all your patience today! After looking into your account, I do see there is a 0% APR avaialble to apply to your account!
The promotional rate of 0.00% will apply to new purchases made during the promotional period between transaction start date 11/04/2024 through transaction end date 11/03/2025. After rate expiration date 12/11/2025, your standard purchases APR, currently 21.74% will apply to any remaining balance. This APR will vary with the market based on the Prime Rate. Please note that purchases that post to your account after the promotional period will be subject to your standard purchases APR. You will receive a written confirmation of this offer. Would you like to accept this offer?
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Joined Jan 2011
L9: Master
> bubble2 4,214 Posts
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carlson03
11-03-2024 at 03:47 AM.
11-03-2024 at 03:47 AM.
Quote from hogger :
Complete garbage bank and customer service.

I strongly advise against it.

Salt Lake City based company has zero support when things don't work or go wrong.

Only bank I have seen worse than this is Citi brand. Discover is the lowest of the low.

I haven't had any issues with Discover and had a card with them for over 15 years... Bank accounts with them for many years. Haven't really had to contact customer service tho.
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Joined May 2006
L10: Grand Master
> bubble2 26,260 Posts
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namlook
11-03-2024 at 03:52 AM.
11-03-2024 at 03:52 AM.
Quote from GhostGrayBolt :
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
It was the Discover balance. As soon as I paid balance the score went back up. It wasn't a problem for me but there may be reasons some people don't want their score to drop.
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Joined Jun 2014
L5: Journeyman
> bubble2 649 Posts
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Mangolover111
11-03-2024 at 04:07 AM.
11-03-2024 at 04:07 AM.
this dont work I got response as "I am so sorry, we are unable to lower your standard purchase Annual Percentage Rate on your account because your rate is already at the lowest
rate for which your account is eligible. "
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Joined Jun 2011
L5: Journeyman
> bubble2 963 Posts
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CodeAdam10
11-03-2024 at 04:15 AM.
11-03-2024 at 04:15 AM.
Thank you OP !! Worked like a charm.

Repped!
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Joined Jul 2011
L2: Beginner
> bubble2 51 Posts
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tranln
11-03-2024 at 04:26 AM.
11-03-2024 at 04:26 AM.
Thanks. Worked for me
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Joined Nov 2009
L2: Beginner
> bubble2 83 Posts
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twinglesmommy
11-03-2024 at 04:35 AM.
11-03-2024 at 04:35 AM.
Thank you. Worked for me
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Joined Jan 2007
L4: Apprentice
> bubble2 384 Posts
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vdotnet
11-03-2024 at 04:56 AM.
11-03-2024 at 04:56 AM.
Rejected over chat. Said it's the lowest at 24%.
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Joined Jan 2011
L2: Beginner
> bubble2 56 Posts
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gabriel.kiever
11-03-2024 at 05:06 AM.
11-03-2024 at 05:06 AM.
I succeeded in doing this about a month ago while carrying a decent balance. Always have a good experience with Discover customer service.
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Joined Jul 2007
L8: Grand Teacher
> bubble2 3,933 Posts
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qwertyaas
11-03-2024 at 05:25 AM.
11-03-2024 at 05:25 AM.
Quote from carlson03 :
I haven't had any issues with Discover and had a card with them for over 15 years... Bank accounts with them for many years. Haven't really had to contact customer service tho.

The biggest issue with Discover was them essentially cutting all card benefits a few years ago, claiming not enough usage.

Purchase protection

Return protection

Extended warranty

Price protection
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Joined Nov 2008
L5: Journeyman
> bubble2 561 Posts
pej7445
11-03-2024 at 05:31 AM.
11-03-2024 at 05:31 AM.
Success but it took a very long time to get to the right 'agent'... About 35 mins start to finish!
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Joined Jan 2005
New, Young and Handsome!
> bubble2 1,044 Posts
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bizdock
11-03-2024 at 05:34 AM.
11-03-2024 at 05:34 AM.
Any way to move to bank if you don't have a credit card balance?
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Joined Mar 2012
L1: Learner
> bubble2 57 Posts
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DarthVader561
11-03-2024 at 05:38 AM.
11-03-2024 at 05:38 AM.
Quote from pej7445 :
Success but it took a very long time to get to the right 'agent'... About 35 mins start to finish!

Did you try with multiple agents, or just caught up in the bot?

I got denied for 0% just now with decent credit and not much of a balance on my card, in good standing with Discover for 8 years.

Luck of the draw I guess, I'm sure those with close to zero balance are the easiest approval for things like this.
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Joined Dec 2006
L5: Journeyman
> bubble2 693 Posts
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yankees4life
11-03-2024 at 05:40 AM.
11-03-2024 at 05:40 AM.
Quote from hogger :
Complete garbage bank and customer service.

I strongly advise against it.

Salt Lake City based company has zero support when things don't work or go wrong.

Only bank I have seen worse than this is Citi brand. Discover is the lowest of the low.
I've NEVER had an issue with Discover. Maybe the problem isn't them, it's you.
2
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