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Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
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.co
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.co
Created 11-02-2024
at 10:29 PM
by PhillipJR
in
Credit Cards
(4)
Discover.com
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Regarding buying a house in cash, you shouldn't buy the house in cash if you can get loan for 3%. The Market returns is on average 10% for 150 years. Buying a house in cash when you can generate 10% a year is a bad finance move. Again, finance 101.
Exactly what happened to me. I bought a car: traded my 2018 in on a 2021, then put the difference on my zero percent card, score dropped from 810 to 790. No car pmt, no interest, upgraded trade in value and fico score reinstated in 7 months. Must have it at a zero balance as a previous poster stated. I've had a discover pr card for 27 years, my only card. Hope this helps.
Regarding buying a house in cash, you shouldn't buy the house in cash if you can get loan for 3%. The Market returns is on average 10% for 150 years. Buying a house in cash when you can generate 10% a year is a bad finance move. Again, finance 101.
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I might be in the same boat. 800+ scores, always pay in full. So the idea would basically be to let the card balance get to whatever it goes to and instead invest the money that would otherwise use to pay down the balance? I've literally never carried a balance so this is new territory. Besides finance charges (e.g. APR), are there any other fees? Also, besides the balance being high (e.g. higher utilization) are there any other negative effects on FICO?
A couple cons from my experience was that I ended up spending much more than normal and my credit score dropped quite a bit. Last month I had a utilization of about 80-90% and after paying it off, my credit score increased by 30-50.
One of the things I did was whenever I went to buy groceries at Safeway, I would withdraw $100 at checkout and just deposit it into my bank and transfer to my savings. I believe this is store dependent but a good way to get an "interest-free" loan albeit at very low amounts.
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