Topic Wiki

I'm trying to summarize success stories mentioned in this thread.
From @TC610
It never hurts to ask - retention is a big YMMV.  If you don't like the offer given to you when you call for retention, ask for a better one.  Scan through the thread (use the search bar - reading through 130+ pages of posts can be time consuming) to see what others have been offered. Please post what you've got if its better then whats in the WIKI

Citi:
AA
Retention: $95 Statement credit after 5 transactions (no minimum...) in the next 3 months
09/17/2014 $95 refunded no need to make any transactions + 1000 Bonus Points per month for 16 months if made purchases of $1000+
05/12/16 AA Executive: $50 credit every month spend $1500 or 15K Miles for $5K in 5 Months
08/14/17 AA Exec $250 credit for spending $3,000/m * 3m OR 15K Miles for $5K in 3m.

Chase: - Call 800-945-2006.
  • IB/IP
     Retention: 10k UR after 5k spend
  •  IC
     Retention: $50 SC
  • UA (Club)
     Retention: $150 account credit
     Retention: 10k Miles for spending $2000 in 3 months.
  • UA (Presidential)
     Retention: $100 account credit
  • BA
     Retention: 9k Avios for spending $1500 in 3 months
  • Freedom (5x catagories)
     Retention: 2,500 UR

Barclay's:
M&M
Retention: Waived by SMing

Arrival
Retention: 5K miles, for keeping the card open randomly.
AF waived, HUCA

US air:
AF waived

American Express

Seems to be clearly spend related while also no rhyme or reason to who gets offers

 • Business gold:5k-15k/$100 statement credit no spend required.
 • Delta Gold Skymiles - 12.5k Delta miles for paying the annual fee (no extra spending required) or $100 Credit on the account
 • SPG personal: 7k for 1k spend in 3 months.
 • SPG business: 10k no spend.
 • Personal Platinum - 20,000 MR for $3,000 spend in 3 months. (Actually gave me 5,000MR immediately, then 15,000 when I spend the $3k)/up to 50k/$150 SC for 1k spend.
 • Personal Platinum (another data point [zow]) - 30,000 MR for $4,000 spend in 3 months.
 • Business Platinum: 10k no spend/20k for 10k spend/30k no spend +50k for 40k spend

Retention contact numbers:
Citi: 800-444-2568
Chase: 800-945-2006
Amex: 800-452-3945
Barclays: 18664084064 (credit dept)
US Bank:

Click on link to get backdoor numbers for most banks:
http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066
« Last edited by zow on May 19, 2019, 06:47:52 PM »

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Author Topic: Credit Card Retention Bonuses  (Read 1852049 times)

Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2540 on: October 20, 2014, 04:42:51 PM »
Quote from: Boruch999 on October 20, 2014, 04:39:35 PM
BBSIHEH! HUCA

Haha  I thought the same, but I wanted to check.  I don't use the card at all anymore after getting the points, so which option should I take? 
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Offline Boruch999

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Re: Credit Card Retention Bonuses
« Reply #2541 on: October 20, 2014, 04:48:19 PM »
Google yielded this: Citi Retention: 800-444-2568
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2542 on: October 20, 2014, 04:54:55 PM »
Quote from: Boruch999 on October 20, 2014, 04:48:19 PM
Google yielded this: Citi Retention: 800-444-2568

Thanks.  And, from your experience, should I convert or close and move credit to Exec?
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Offline Marco Polo

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Re: Credit Card Retention Bonuses
« Reply #2543 on: October 20, 2014, 04:56:26 PM »
Quote from: princea143 on October 20, 2014, 04:54:55 PM
Thanks.  And, from your experience, should I convert or close and move credit to Exec?
Do you need the extra credit on the Exec? If not, maybe convert to a card you may be able to take advantage of.
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Offline Boruch999

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Re: Credit Card Retention Bonuses
« Reply #2544 on: October 20, 2014, 04:57:49 PM »
I haven't much experience.  I'm sure those who do will chime in.
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2545 on: October 20, 2014, 05:02:15 PM »
Quote from: Marco Polo on October 20, 2014, 04:56:26 PM
Do you need the extra credit on the Exec? If not, maybe convert to a card you may be able to take advantage of.
No, I don't.  I have $19k on the Exec and $13,500 on the Plat.  I just wanted to save that CL for future bargaining when opening new cards.  Anybody have reviews for the Bronze, TYP, or Double Cash cards?
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Offline Marco Polo

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Re: Credit Card Retention Bonuses
« Reply #2546 on: October 20, 2014, 05:07:27 PM »
Quote from: princea143 on October 20, 2014, 05:02:15 PM
No, I don't.  I have $19k on the Exec and $13,500 on the Plat.  I just wanted to save that CL for future bargaining when opening new cards.  Anybody have reviews for the Bronze, TYP, or Double Cash cards?
You can still save the credit by converting it.
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2547 on: October 20, 2014, 05:13:08 PM »
Quote from: Marco Polo on October 20, 2014, 05:07:27 PM
You can still save the credit by converting it.
Yup!  I just want to know which is worth it of the 3.
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Offline Marco Polo

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Re: Credit Card Retention Bonuses
« Reply #2548 on: October 20, 2014, 05:16:09 PM »
Quote from: princea143 on October 20, 2014, 05:13:08 PM
Yup!  I just want to know which is worth it of the 3.
That would depend on your spending habits and what the different cards offer that may fit your spend.
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2549 on: October 20, 2014, 05:33:02 PM »
Quote from: Marco Polo on October 20, 2014, 05:16:09 PM
That would depend on your spending habits and what the different cards offer that may fit your spend.
Our spends are 60% manufactured.  haha  Since my wife and I were in our early 20s, we already had set budgets for every purchase category even when our income increased.  We've modified it a little because we own properties and we are traveling more and want to experience things points or miles can't buy.  So, with that in mind, I hear TYP earned on the card are transferable to airlines, hotels, etc.  I don't know what the Bronze card is as of yet.  The Double Cash is just that...cash back.  So, I was hoping people had reviews on any of them.  It is better than closing a card.
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Offline Marco Polo

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Re: Credit Card Retention Bonuses
« Reply #2550 on: October 20, 2014, 05:35:21 PM »
Quote from: princea143 on October 20, 2014, 05:33:02 PM
Our spends are 60% manufactured.  haha  Since my wife and I were in our early 20s, we already had set budgets for every purchase category even when our income increased.  We've modified it a little because we own properties and we are traveling more and want to experience things points or miles can't buy.  So, with that in mind, I hear TYP earned on the card are transferable to airlines, hotels, etc.  I don't know what the Bronze card is as of yet.  The Double Cash is just that...cash back.  So, I was hoping people had reviews on any of them.  It is better than closing a card.
The cash back sounds like a nice option for spend that doesn't fall under a category you already have a card for. TYP are nice to have as filler to top off other accounts.

If your overall credit is higher than you would like, it may not be a big deal to just close the card down.
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Offline BarryLincoln

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Re: Credit Card Retention Bonuses
« Reply #2551 on: October 20, 2014, 06:11:24 PM »
Amex BRG, AF hit, called in and was offered 15k MR to keep...

Seems like a no-brainer?  Thoughts?
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Offline TimT

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Re: Credit Card Retention Bonuses
« Reply #2552 on: October 20, 2014, 06:13:25 PM »
Quote from: BarryLincoln on October 20, 2014, 06:11:24 PM
Amex BRG, AF hit, called in and was offered 15k MR to keep...

Seems like a no-brainer?  Thoughts?
Sounds good, especially with SBS coming up. Just curious, do you use this card regularly ?
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Offline BarryLincoln

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Re: Credit Card Retention Bonuses
« Reply #2553 on: October 20, 2014, 06:15:03 PM »
Quote from: TimT on October 20, 2014, 06:13:25 PM
Sounds good, especially with SBS coming up. Just curious, do you use this card regularly ?

$5k in spend 10 months ago, another $1k recently...

Make sense to keep card post SBS or cancel thereafter for AF refund?
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Offline TimT

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Re: Credit Card Retention Bonuses
« Reply #2554 on: October 20, 2014, 06:18:56 PM »
Quote from: BarryLincoln on October 20, 2014, 06:15:03 PM
$5k in spend 10 months ago, another $1k recently...

Make sense to keep card post SBS or cancel thereafter for AF refund?
If you do close make sure to get the points out first. Did you ask for the fee to be waived or you wanted to close & they offered it ?
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Offline BarryLincoln

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Re: Credit Card Retention Bonuses
« Reply #2555 on: October 20, 2014, 06:21:32 PM »
Quote from: TimT on October 20, 2014, 06:18:56 PM
If you do close make sure to get the points out first. Did you ask for the fee to be waived or you wanted to close & they offered it ?

Asked to either i) waive fee or issue statement credit to offset or ii) MR incentive to keep card open (and pay fee).

First offered to transition me to a cash-back card, but then I asked what could be done if I kept the card...

Will probably end up closing card after SBS...tough to rationalize $175 AF....will open it again in 12 months...
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Offline BarryLincoln

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Re: Credit Card Retention Bonuses
« Reply #2556 on: October 20, 2014, 06:22:56 PM »
Quote from: TimT on October 20, 2014, 06:18:56 PM
If you do close make sure to get the points out first.

What do you mean?  Once they are in my MR account, are they going to claw back?  I still have an amex plat...
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Offline TimT

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Re: Credit Card Retention Bonuses
« Reply #2557 on: October 20, 2014, 06:25:33 PM »
Quote from: BarryLincoln on October 20, 2014, 06:22:56 PM
What do you mean?  Once they are in my MR account, are they going to claw back?  I still have an amex plat...
Oh, okay. It's good to know they're offering incentives even on lesser used cards.
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2558 on: October 21, 2014, 06:27:53 PM »
Quote from: Marco Polo on October 20, 2014, 05:35:21 PM
The cash back sounds like a nice option for spend that doesn't fall under a category you already have a card for. TYP are nice to have as filler to top off other accounts.

If your overall credit is higher than you would like, it may not be a big deal to just close the card down.
Interesting.  I'll keep that in mind.  Thanks.
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Offline princea143

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Re: Credit Card Retention Bonuses
« Reply #2559 on: October 22, 2014, 04:37:05 PM »
Just called Citi AA retention: $95 refunded no need to make any transactions + 1000 Bonus Points per billing cycle for 16 months if made purchases of $1000+ just like wiki said!  ;D
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