I called Discover customer service for lowering my Discover Platinum Card interest rate. They offer me either 12.74% Discover Titanium Card or 0% APR for six months. He told me Titanium Card has all benefits of Discover Platinum Card except no cash back bonus. He told me that many peoples has converted. I told me I would rather to choose 0% for six months because my other Private Issue has a lower rate of 11.99% fixed and no cash back.Just like George said if the card carried 9.9% or lower, I might convert mine into Titanium. Otherwise, no thanks. I love cashback bonus. Ron.
George, I told him forget it!!! Give me 0% APR for purchase for six months. My other card carried 9.9% fixed for purchases forever like Target Visa, BofA Platinum Cards. I didn't carry balances on Discover card because it has two cycle billing like First USA. Ron.
I was under the impression that this was going to be something "SPECIAL"... 1.00% lower and LOSE THE CASH BACK??? I DON'T even pay interest unless I do a BT...you CAN'T do any purchases if you are running a BT!!!
George, It is one of my Discover Platinum Card that converted from Novus Card(Universal Studios Card) and it has 14.99% fixed APR. I got another Discover Platinum Card that carried 10.74% and 3.9% BT for six months. He told me my card will lower 2% APR by switching to Titanium Card and give up 1% cash back bonus. It wasn't too bad after all. I usually don't carry balances on my Cash rewards or bonus card because it will eliminate my bonus especially Discover Card chas two cycle billing. It is no aq good deal anymore. Ron.
