4ktvs wrote:takeshi wrote:4ktvs wrote:I think Discover just doesn't know what is going on at all. That or maybe they do want me to have two of them.
It's just marketing.
If your credit supports a lower APR you can request an APR reduction.4ktvs wrote:I don't plan to apply for a second one as that would be stupid. I don't really mind I missed the boat on a lower APR
It's not a matter of boats or offers but what you qualify for.
I know it's just business and not a matter of a boat or offers but what they see at the moment when you apply and they pull your credit. (I know your income counts as well.)
I thought it was just marketing being marketing but I wasn't sure.
I am not going to stress about APR though and will leave that alone I think.
Assuming you qualify and meet their criteria, Discover is amenable to lowering APR upon request over time. I've had my Discover for 4 years and it has gone from I believe 19.99% to 15%. Not huge but certainly a drop. They are only willing to drop it once every six months however. Right now, they gave me a 0% promo that lasts until July, after which point I plan to ask for another permanent reduction.