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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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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 10:29 PM by PhillipJR
in Credit Cards (4) Discover.com
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Joined Jun 2020
L2: Beginner
> bubble2 56 Posts
22 Reputation
ShrewdRaccoon1431
11-06-2024 at 12:26 PM.
11-06-2024 at 12:26 PM.
Denied!
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Joined Jul 2018
Just here 4 the food
> bubble2 374 Posts
388 Reputation
SalmonSurprise
11-06-2024 at 12:29 PM.
11-06-2024 at 12:29 PM.
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.
What investment platform let you charge a credit card?
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Joined Oct 2006
L8: Grand Teacher
> bubble2 3,460 Posts
535 Reputation
waterfront
11-06-2024 at 08:13 PM.
11-06-2024 at 08:13 PM.
0% Promo APR popped upon login but it has 5% transfer fee. egregious.. sorry, I'm so outdated , don't like more than 1.9% fee.
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Joined Oct 2015
Super Man
> bubble2 1,946 Posts
154 Reputation
DarknetScammer
11-07-2024 at 12:40 AM.
11-07-2024 at 12:40 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.
I'm experiencing this right now. I have a balance with just a single credit card, but my credit score has dropped 80 points.
Reply
Joined Oct 2015
Super Man
> bubble2 1,946 Posts
154 Reputation
DarknetScammer
11-07-2024 at 12:45 AM.
11-07-2024 at 12:45 AM.
Quote from eagleisawesome :
I did this about 6 months ago and it was a simple chat. There were no fees or finance charges but I believe I there was a small minimum monthly payment I had to make against my balance and the 0% apr only applied to new charges.

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.
Isn't this cash advance which is not interest-free?
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Joined May 2006
L10: Grand Master
> bubble2 26,260 Posts
3,389 Reputation
namlook
11-07-2024 at 03:57 AM.
11-07-2024 at 03:57 AM.
Quote from SalmonSurprise :
What investment platform let you charge a credit card?
That's not what I did. I charged everything I could on the Discover card for a year even though I had the cash on hand to pay the bill. I invested that cash I would have used to pay the bill. Then after a year I withdrew from the investment and paid the bill.
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Joined May 2006
L10: Grand Master
> bubble2 26,260 Posts
3,389 Reputation
namlook
11-07-2024 at 04:00 AM.
11-07-2024 at 04:00 AM.
Quote from DarknetScammer :
I'm experiencing this right now. I have a balance with just a single credit card, but my credit score has dropped 80 points.
I can't remember how much mine dropped but I think it may have been around 50 points. I'm thinking it was probably because I always pay my balances each month and carrying a large balance set off a red flag because it was so different from my normal credit pattern.
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Joined Sep 2008
L2: Beginner
> bubble2 97 Posts
22 Reputation
brnbch
11-07-2024 at 07:48 AM.
11-07-2024 at 07:48 AM.
What do they pay 1st? Forgive my ignorance, but when you do this promo and you're already carrying a balance, what does your monthly payments go to pay off first? So just to clarify my question. If I'm carrying a $2000.00 balance and I have this 0% for future purchases promo applied to my account, then I put another $2000.00 in purchases on the card and I pay $400.00 a month payment on the card. How does Discover apply my payments? Is it 200.00 to the old balance and 200.00 to the new 0% balance? Is it new balance first? I've always wondered this.
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Joined Apr 2019
L3: Novice
> bubble2 227 Posts
10 Reputation
koshur90210
11-07-2024 at 08:45 PM.
11-07-2024 at 08:45 PM.
I have a transfer balance check for 8k with 5.99 apr. I am paying that monthly.. Will check if new purchases can be zero apr
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Joined Oct 2010
L6: Expert
> bubble2 1,202 Posts
2,874 Reputation
oliviajagger
11-09-2024 at 04:36 PM.
11-09-2024 at 04:36 PM.
Longtime customer. They offered me a year no interest on purchases. I had to call.
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Joined Jun 2022
L5: Journeyman
> bubble2 941 Posts
142 Reputation
TheBigCPabster
11-09-2024 at 04:45 PM.
11-09-2024 at 04:45 PM.
Easy peasy, got me a year 0% purchases. I have gotten same offer in past years as well. For reference I do spend quite a bit through a couple different Discover cards each month, always paid in full.
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Joined Jan 2007
L3: Novice
> bubble2 190 Posts
34 Reputation
nodoubts2k
11-12-2024 at 02:16 PM.
11-12-2024 at 02:16 PM.
Thanks, OP. Worked for me (had to call, chat was unable to do it due to tech issues).
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Joined Mar 2006
L5: Journeyman
> bubble2 759 Posts
872 Reputation
Pro
griffijg99
11-16-2024 at 06:13 PM.
11-16-2024 at 06:13 PM.
Worked on wife's card, but not mine…. I'm thinking because I already have a promotion for .9% for 6 months on mine.
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Joined Mar 2009
L1: Learner
> bubble2 17 Posts
10 Reputation
NotBonJovi
11-23-2024 at 08:18 AM.
11-23-2024 at 08:18 AM.
Chatted with an agent today and got denied. Have zero balance on the card and 800+ score Frown

Did anyone have luck recently?
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