PSA: I called Discover Card and was able to get a slightly lower (but still obscene) APR

[adamuu]

If you haven't tried negotiations with you CC company recently, you might want to give it another try.
DFS is a bailed-out bank. It's up to you if you want to consider them in the same class as BAC, C, wells fargo, chase. For some reason, I don't, even though there were among the companies that sent me a Default APR == Purchases APR letter last fall.

Jan 16th 2009 Discover Financial Services (NYSE: DFS - option chain) shares have moved higher today after the company announced it has received approval for a $1.2 billion in funds under the government's financial sector bailout package. DFS plans to become a bank holding and a financial holding company in order to receive the funds.

http://www.bloggingstocks.com/2009/01/16/discover-dfs-to-receive-bailout-funds/

Edit spelling in title

[donco6]

1. I got a 7% rate at my credit union.

I'll never use a big bank card again.

[adamuu]

2. I'll try that. n/t