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There may be a number of reasons your annual percentage rate increased. The most likely one is because the introductory rate, in this case 0.00% was only applicable for a certain length of time—in the case of the Escape by Discover Card, it’s six months.
How much did your APR increase? If it was anywhere from 10.99% to 15.99%, that’s your purchases and balance transfer rate. If it was higher, say 23.99%, that is for cash advances. This information may help you determine just exactly where the APR is being applied.
Remember, too, that the Escape by Discover Card interest rate is a variable one. That means it will vary depending on the current Prime Rate.
How was your credit when you applied for the card and how is it now? If it was a little shaky to begin with, you may not be eligible for the lowest APR (10.99%). If you originally had the 10.99% APR and you missed some payments, that can cause your rate to increase.
If your credit was not the best to begin with, but has since improved, you may be able to request a lower interest rate. If the increase came as a result of missed payments, once you re-establish a good payment record, you may be able to ask for an APR reduction.