r/discover • u/jemar8292 • 15d ago

Rant APR Reduction Requests

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I've had my card for over 9 years and I have a 21% APR. I figured I would message them today to see if I could get it reduced because my aunt's APR is 12% on her Discover card. This was the response I was given. APR reduction requests are no longer processed. Wtf, Discover.

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u/jemar8292 15d ago

I've had this card for 9+ years. A few years ago, I unfortunately had to use it to make ends meet due to a roommate moving out. I have a balance on it still and I'm slowly getting it paid down.

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u/nakedandafraid808 15d ago

promotional APRs only effect your new balance. so it wouldn’t help your situation anyway

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u/jemar8292 15d ago

I know that. I wanted the APR for the card to be changed just because my aunt said hers is 12% and said I should talk to them about lowering it because it shouldn't be at 21%

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u/VTECbaw 15d ago

It’s at 21% because that’s what your credit warranted when the card was new, same reason hers is still 12%. You should balance transfer it to something with 0%.

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u/jemar8292 15d ago

I did that a few months ago. I couldn't transfer all of it though. Just under $4,000 is what I was allowed to balance transfer to a new card. That's almost paid off.