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 »

Author Topic: Credit Card Retention Bonuses  (Read 1140164 times)

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Re: Credit Card Retention Bonuses
« Reply #4695 on: March 19, 2016, 08:35:37 PM »
Used to? You mean it's possible to quit?
You have to join MS-Anon
Workflowy. You won't know what you're missing until you try it.

Offline moshewoodmere01

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Re: Credit Card Retention Bonuses
« Reply #4696 on: March 19, 2016, 08:49:54 PM »
You have to join MS-Anon
Is there an Amex offer?
Think away the box.

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Re: Credit Card Retention Bonuses
« Reply #4697 on: March 19, 2016, 09:12:41 PM »
Is there an Amex offer?
No, but unfortunately it's churnable...
Workflowy. You won't know what you're missing until you try it.

Offline David Smith

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Re: Credit Card Retention Bonuses
« Reply #4698 on: March 19, 2016, 11:19:12 PM »
Quitting is easy. I've done it hundreds of times.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Malachi

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Re: Credit Card Retention Bonuses
« Reply #4699 on: March 20, 2016, 11:03:03 AM »
I am looking for an answer to the following. I have a US Bank Flex Rewards card which has a yearly fee that I am trying to avoid. A supervisor said I can either close my card and lose my credit line and not pay the yearly fee or I can pay it . Does anyone for sure if I might be able to move my credit line to another use Bank card ? Or receive a retention bonus ?
call and ask for Retention. They will likely give at least 3500 which you can use to pay the annual fee. 2/2 in my 2 years of having to pay
Denny Crane

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Re: Credit Card Retention Bonuses
« Reply #4700 on: March 21, 2016, 10:49:50 PM »
Is it true that in order to get a full (not prorated) refund of the AF on an amex card within 60 days, you have to downgrade it and not close it?
Workflowy. You won't know what you're missing until you try it.

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Re: Credit Card Retention Bonuses
« Reply #4701 on: March 21, 2016, 11:06:34 PM »
Is it true that in order to get a full (not prorated) refund of the AF on an amex card within 60 days, you have to downgrade it and not close it?
No. If you close it you also get refunded.

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Re: Credit Card Retention Bonuses
« Reply #4702 on: March 21, 2016, 11:10:58 PM »
No. If you close it you also get refunded.
Oops. I meant the other way around. I just chatted to downgrade my card and they told me that to get the full AF back I need to actually close it.
Workflowy. You won't know what you're missing until you try it.

Offline David Smith

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Re: Credit Card Retention Bonuses
« Reply #4703 on: March 21, 2016, 11:11:29 PM »
Is it true that in order to get a full (not prorated) refund of the AF on an amex card within 60 days, you have to downgrade it and not close it?
Just the opposite. If you close it, you'll get a full refund. If you downgrade, it'll be prorated.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

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Re: Credit Card Retention Bonuses
« Reply #4704 on: March 21, 2016, 11:40:11 PM »
Just the opposite. If you close it, you'll get a full refund. If you downgrade, it'll be prorated.
So if you want to downgrade it and not pay the AF, you need to do so before the fee posts?
Workflowy. You won't know what you're missing until you try it.

Offline benjie1305

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Re: Credit Card Retention Bonuses
« Reply #4705 on: March 22, 2016, 07:53:15 AM »

So if you want to downgrade it and not pay the AF, you need to do so before the fee posts?

If you downgrade within 60 days you are still getting the AF fully refunded. You will however also get charged the AF for the product you downgraded to.
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Re: Credit Card Retention Bonuses
« Reply #4706 on: March 22, 2016, 08:43:26 AM »
If you downgrade within 60 days you are still getting the AF fully refunded. You will however also get charged the AF for the product you downgraded to.
So they chat rep was clueless. (Downgrading to BCE which has no fee, she told me that I'll be refunded $60 of the $75 I paid)
Workflowy. You won't know what you're missing until you try it.

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Re: Credit Card Retention Bonuses
« Reply #4707 on: March 22, 2016, 08:44:06 AM »
So they chat rep was clueless.
Wouldn't be the first time

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Re: Credit Card Retention Bonuses
« Reply #4708 on: March 22, 2016, 08:46:19 AM »
Wouldn't be the first time
:)
Q is if it's better to downgrade with a chat rep who says I'll be refunded? Or if the system handles the refunds and it doesn't matter?
Workflowy. You won't know what you're missing until you try it.

Offline benjie1305

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Re: Credit Card Retention Bonuses
« Reply #4709 on: March 22, 2016, 08:46:49 AM »
So they chat rep was clueless. (Downgrading to BCE which has no fee, she told me that I'll be refunded $60 of the $75 I paid)

Are you within 60? Then you will get the full.

:)
Q is if it's better to downgrade with a chat rep who says I'll be refunded? Or if the system handles the refunds and it doesn't matter?

System handles this.
Work hard, Play harder!