Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
I got the 0% for 12 months, and they credited back a couple hundred dollars for the interest charged last month. Winner 🏆 thanks OP
Edit: this was 24 hours apart.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
So mine was approved pretty quick. My wife tried and it was denied just as quick. Should she retry or will she just get the same result?
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Thank you! It just worked for me.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
If at first you don't succeed… Went on chat the other day, and the rep told me I could only get the 0% offer if I opened a new card. Tried again today, and the rep applied the 0% promo to my account...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Worked for me. Just got 0% financing for all new purchases for 12 months. Thank you!
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Denied!
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
I'm experiencing this right now. I have a balance with just a single credit card, but my credit score has dropped 80 points.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
A current card / customer. No new appliction or credit check / hard pull. That is true, a great thing to have right before the holiday season purchases.
Nope.
Just made sure to pay...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Question: in your case- was this for a new card application or for a current card/ member offer?
I only see 0% apr for new applications, on their site.
This is a great deal for any current...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Got it on the wife's account too. Again it took about 35 mins to accomplish.
"We can offer the following,
The promotional rate of 0.00% will apply to new purchases made during the promotional...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Rejected over chat. Said it's the lowest at 24%.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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
...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Success but it took a very long time to get to the right 'agent'... About 35 mins start to finish!
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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. ...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
I've NEVER had an issue with Discover. Maybe the problem isn't them, it's you.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
There is always an opportunity cost. Not a wise move to put all your purchases on one single card for a year that pays only 1% cashback. You'll earn more valuable rewards if paid by another card. Say...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Say for example if your comprehensive deductible on your insurance is max 1000 why do it out of pocket?
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Probably to avoid hassles and lose the claim-free discounts that most plans offer. I know I'll pay out of pocket up to about double my deductible for that reason. But the larger point is that...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Which is why you carry insurance on the second most valuable asset you have...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
I was declined because I just came off a 0% promo within the last 6 months (June 2024). I'll try again next month.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
my experience as well. HOWEVER, I do NOT consider that to be a "SIGNIFICANT HIT"...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
asked and answered at least twice,,
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
High scores = offers+pre-approvals. A 650 with lengthy and impeccable repayment giatory is golden to creditors of high interest rates
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Thanks OP.
Chatted with rep for 10 min and got the 0% APR for 1 year.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
That's not a bad reason to have a balance.
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....
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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.
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Talked to two different agents but was able to get this promotion. Took appox 25 - 30 mins
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Any way to get the $ and earn interest by transfering to bank account?
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
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...
Discover Credit Card 0.00% APR for 12 Months Via Online Chat Session For Current Card Holders
Thread created 11-02-2024 by PhillipJR
+66 Score
118 Replies
26,877 Views
Chatted with a live agent. Few moment after received the promo starts tomorrow.!
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