Discover lowers my APR.... to 17.99%

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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djrez4
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Postby djrez4 » Fri Oct 19, 2012 11:23 am

DavidNY wrote:Does anyone here have a lower Discover APR?


I'm still in the intro period, but it will be 14.99% when that expires. Discover was kind enough to let me revolve the down payment on my car at 0% and give me cash back on it, so I can't complain too much about them.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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Postby DavidNY » Fri Oct 19, 2012 2:38 pm

djrez4 wrote:Discover was kind enough to let me revolve the down payment on my car at 0% and give me cash back on it, so I can't complain too much about them.


Sounds good. How do they give you cash back?

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Postby djrez4 » Fri Oct 19, 2012 3:06 pm

I have a box on the website that tells me how much I've earned. I'm only at $60 right now, but I think it'll jump when my next statement cuts on the 25th. I payed the remaining $3600 this month (which really cut into my fun budget!) and snagged about $550 worth of goods for ski season on the 2% day.

EDIT: Just realized I didn't answer what you were asking. They offer statement credits, gift cards, shopping. You name it.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby DavidNY » Fri Oct 19, 2012 3:09 pm

You mean you were able to charge the down payment on your car to a credit card?

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Postby Money card » Fri Oct 19, 2012 8:58 pm

Hey David you have excellent credit why Does Discover have you at 18.99 Apr? you seem to have prime cards I'm shocked
that they have you at 18.99!

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Postby Money card » Fri Oct 19, 2012 9:00 pm

DavidNY wrote:I wouldn't want to give those guys any excuse to bump my CL down, especially because I only use their card for the promotions.

Does anyone here have a lower Discover APR?


I have 11.99.

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Postby djrez4 » Fri Oct 19, 2012 11:09 pm

DavidNY wrote:You mean you were able to charge the down payment on your car to a credit card?


Yes. That's exactly what I did. Why pay cash when you can charge it, get cash back, and pay it off at 0%?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby FutureBillionaire » Sat Oct 20, 2012 1:45 pm

djrez4 wrote:Yes. That's exactly what I did. Why pay cash when you can charge it, get cash back, and pay it off at 0%?




I love to hear people take advantage of the system. Please believe that I will use credit for everything, including the engagement ring I'm going to get for my girl soon.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby FutureBillionaire » Sat Oct 20, 2012 1:46 pm

Money card wrote:I have 11.99.


My miles card was lowered to 13.99.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby DavidNY » Sat Oct 20, 2012 7:17 pm

djrez4 wrote:Yes. That's exactly what I did. Why pay cash when you can charge it, get cash back, and pay it off at 0%?


That's great as long as the dealer didn't add a charge for doing it.



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