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

+67 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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Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
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Joined Feb 2008
L2: Beginner
> bubble2 177 Posts
37 Reputation
my2008Id
11-03-2024 at 09:19 AM.
11-03-2024 at 09:19 AM.
Quote from moosha :
Outstanding! 0.0% APR for 1 year after 25 minutes with Live Agent. Thanks so much!

Any transaction fee?
Reply
Joined Feb 2024
L5: Journeyman
> bubble2 964 Posts
147 Reputation
GhostGrayBolt
11-03-2024 at 09:22 AM.
11-03-2024 at 09:22 AM.
Quote from mrbear :
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).
my experience as well. HOWEVER, I do NOT consider that to be a "SIGNIFICANT HIT"...
Reply
Joined Feb 2024
L5: Journeyman
> bubble2 964 Posts
147 Reputation
GhostGrayBolt
11-03-2024 at 09:22 AM.
11-03-2024 at 09:22 AM.
Quote from my2008Id :
Any transaction fee?
asked and answered at least twice,,
Reply
Joined Feb 2024
L5: Journeyman
> bubble2 964 Posts
147 Reputation
GhostGrayBolt
11-03-2024 at 09:24 AM.
11-03-2024 at 09:24 AM.
Quote from namlook :
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.
I guess because in your previous post you said it took a "SIGNIFICANT HIT" and 7-10 points is anything but "significant"...unless you are in the lower brackets...
Reply
Joined Feb 2024
L5: Journeyman
> bubble2 964 Posts
147 Reputation
GhostGrayBolt
11-03-2024 at 09:26 AM.
11-03-2024 at 09:26 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%.
this deal it NOT about TRANSFERS, merely new purchases. Perhaps reading the thread before commenting would help..
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Joined Jan 2005
New, Young and Handsome!
> bubble2 1,044 Posts
128 Reputation
bizdock
11-03-2024 at 10:26 AM.
11-03-2024 at 10:26 AM.
Any way to get the $ and earn interest by transfering to bank account?
Reply
Joined Nov 2012
L1: Learner
> bubble2 21 Posts
10 Reputation
trabical
11-03-2024 at 10:28 AM.
11-03-2024 at 10:28 AM.
Denied.... No balance... Current 24% rate...
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Joined Oct 2016
L3: Novice
> bubble2 215 Posts
25 Reputation
Eastcoastdad
11-03-2024 at 10:34 AM.
11-03-2024 at 10:34 AM.
Just spoke w chat & it worked for my current card, 12 months 0% for future purchases, took 10 minutes tyvm
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Joined Apr 2012
L5: Journeyman
> bubble2 686 Posts
153 Reputation
Tam4sd
11-03-2024 at 10:51 AM.
11-03-2024 at 10:51 AM.
Any offers for balance transfers?
Reply
Joined Jun 2021
L4: Apprentice
> bubble2 446 Posts
188 Reputation
Robbery
11-03-2024 at 11:21 AM.
11-03-2024 at 11:21 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.

High scores = offers+pre-approvals. A 650 with lengthy and impeccable repayment giatory is golden to creditors of high interest rates
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Joined Jun 2013
L3: Novice
> bubble2 298 Posts
18 Reputation
Z86
11-03-2024 at 11:56 AM.
11-03-2024 at 11:56 AM.
Thanks OP.
Chatted with rep for 10 min and got the 0% APR for 1 year.
Reply
Joined Jan 2008
L8: Grand Teacher
> bubble2 3,365 Posts
5,760 Reputation
Pro
Tinkleondabeach
11-03-2024 at 12:11 PM.
11-03-2024 at 12:11 PM.
does it work for cash advances? i like to leverage money in vegas
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Joined Apr 2006
L6: Expert
> bubble2 1,153 Posts
232 Reputation
madshakes
11-03-2024 at 01:01 PM.
11-03-2024 at 01:01 PM.
denied
Reply
Joined Jan 2007
L5: Journeyman
> bubble2 784 Posts
345 Reputation
Esente
11-03-2024 at 01:10 PM.
11-03-2024 at 01:10 PM.
Got this instead:

> We can offer the following,

Your standard purchase APR for new purchases you make will be effective two days from today. It will be calculated at Prime + 11.99% which equals 19.99% variable, and will be reflected on your 11/05/24 billing statement. This change will not affect the APR on your existing balance.
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Joined Feb 2013
New User
> bubble2 5 Posts
10 Reputation
JamesC2267
11-03-2024 at 02:08 PM.
11-03-2024 at 02:08 PM.
I Did a chat and got 1 year 0% starting November 4th. I have been with them since 1999
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