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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 Mar 2015
Foofi
> bubble2 3,944 Posts
683 Reputation
CoolDealFinder
11-03-2024 at 06:49 AM.
11-03-2024 at 06:49 AM.
zero percent means nothing UNLESS you know the transfer fees. People fall for this all the time and end up paying 5% transfer fees which means that discover got their 5% interest while you thought its at Zero percent. I will ONLY take this as a deal if the transfer fee is Zero%.
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Joined Nov 2007
L6: Expert
> bubble2 1,000 Posts
150 Reputation
hwada
11-03-2024 at 06:50 AM.
11-03-2024 at 06:50 AM.
This is what they told me.

I definitely understand wanting a lower
APR, however your account isn't eligible
at this time because your account
because your rate is already at the lowest
rate for which your account is eligible You
will be receiving a letter in the mail
explaining the decision n more detail, and
those are generally received within 6
calendar days.


The great news is, those offers are
promotional, and while there isn't a
specific timeline as to when one may be
available, you're welcome to check back
any time! Some offers are even sent by
email, so I'd recommend keeping an eye
out on your inbox and junk mail as well!
Did you have any other questions I can
help with today?
Reply
Joined May 2008
L6: Expert
> bubble2 1,474 Posts
316 Reputation
Cozz
11-03-2024 at 06:55 AM.
11-03-2024 at 06:55 AM.
Quote from madshakes :
what do i say if they ask 'what 0% apr promo are you talking about'?

I have the "IT" card it shows 0% Apr for card holders with that card. But it looks like for new customers only. I simply acted dumb and needed clarification. I was told it's only for new customers but I was approved for the 0% apr promotion as well.
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Joined May 2008
L6: Expert
> bubble2 1,474 Posts
316 Reputation
Cozz
11-03-2024 at 06:57 AM.
11-03-2024 at 06:57 AM.
Quote from CoolDealFinder :
zero percent means nothing UNLESS you know the transfer fees. People fall for this all the time and end up paying 5% transfer fees which means that discover got their 5% interest while you thought its at Zero percent. I will ONLY take this as a deal if the transfer fee is Zero%.

It said 0% on purchases. I didn't even think to ask about transfers. I'm supposed to get some sort of email/ mail of the actual fine print.
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Joined Jan 2006
WOOOOOOO
> bubble2 1,406 Posts
1,020 Reputation
RicFlair
11-03-2024 at 07:08 AM.
11-03-2024 at 07:08 AM.
Dang, everybody's asking what promo this is.

READ the OP!

The OP said representative said to share with family and friends.

Just say Grandpa got it and was told to share and you would like it too. Simple.

Either you will get it or you wont. All these reps sitting at home taking these chats are probably freaking out with the influx of requests lol. They must think somebody has a very large family Smilie
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Joined Dec 2005
L6: Expert
> bubble2 1,055 Posts
439 Reputation
offbeat
11-03-2024 at 07:15 AM.
11-03-2024 at 07:15 AM.
I was declined because I just came off a 0% promo within the last 6 months (June 2024). I'll try again next month.
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Joined Dec 2020
L2: Beginner
> bubble2 318 Posts
720 Reputation
SnakeMGS
11-03-2024 at 07:23 AM.
11-03-2024 at 07:23 AM.
Didn't Discover got bought by Capital One and the acquisition is supposed to go through in Q1 of next year? If that is true and they merge/transfer all Discover accounts to Capital One, how does this deal work for the remainder of 2025 after the merger?
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Joined Jan 2013
L99: Worthy
> bubble2 659 Posts
582 Reputation
w9w8s
11-03-2024 at 07:54 AM.
11-03-2024 at 07:54 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 been a Discover user for 15 years. I've never had an issue. Twice my card # was stolen and the disputed charges came off immediately and with no hassle. We also accidentally reported a good charge because of the odd name and they looked into it and sent us a copy of the receipt. Typically we get about $700 in cash back each year and up that to about $900 in gift cards.
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Joined Aug 2011
L2: Beginner
> bubble2 65 Posts
30 Reputation
maddog12
11-03-2024 at 08:01 AM.
11-03-2024 at 08:01 AM.
34 minutes start to finish. Basically just waiting for a live agent. Once the agent was available it took less than two minutes. I did get the 0% but I wonder if it's because I haven't used the card in over a year and it has a zero balance. I figure they gave me the 0% to entice me to use it.
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Joined Nov 2019
VIP Member
> bubble2 14,544 Posts
720 Reputation
Lilyly
11-03-2024 at 08:11 AM.
11-03-2024 at 08:11 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.
yup. pretty standard. i brought this issue up on the last post. you only use this promo only if you really need it. like spending beyond your mean. you credit line will carry a large "unpaid balance" on the record and it will hurt your score during this time.

a note about his son in law. his daughter has picked a wrong one.
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Last edited by Lilyly November 3, 2024 at 08:28 AM.
Joined May 2016
L2: Beginner
> bubble2 98 Posts
34 Reputation
aja1_11
11-03-2024 at 08:22 AM.
11-03-2024 at 08:22 AM.
Talked to two different agents but was able to get this promotion. Took appox 25 - 30 mins
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Joined Jan 2014
L4: Apprentice
> bubble2 374 Posts
94 Reputation
qwerty47
11-03-2024 at 08:38 AM.
11-03-2024 at 08:38 AM.
Doing this every year on alternate accounts for any big purchases during holidays . Best is to call and ask . You get connected in 3 to 5 mins local service agents, and they apply it to account effectively immediately. Few things to note . Don't use any balance transfer option in the same time frame to invalidate the current promo and end up with a full interest on the next billing cycle.
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Joined Sep 2011
L7: Teacher
> bubble2 2,367 Posts
572 Reputation
santy83
11-03-2024 at 08:43 AM.
11-03-2024 at 08:43 AM.
Quote from johndoe35 :
People still owe a balance at the end of the month? Damn, lol
huh..Lot of folks live paycheck to paycheck..You need more exposure to rest of the world.
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Joined Dec 2010
L3: Novice
> bubble2 189 Posts
46 Reputation
Viven
11-03-2024 at 08:51 AM.
11-03-2024 at 08:51 AM.
Discover Chat representative response for me—Upon review, I apologize currently there are no offers for a promotional APR, however new offers become available periodically. I recommend contacting us after the billing closing date
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Joined Jan 2018
New User
> bubble2 7 Posts
10 Reputation
luis_lics
11-03-2024 at 09:15 AM.
11-03-2024 at 09:15 AM.
Has anyone done this with any other credit card provider? I do this every year with discover but wonder if it's doable with any other companies.
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