topic Re: Better offer in mail after being approved for BCP in Credit Cards

Better offer in mail after being approved for BCP

slvrhwk — Sun, 07 Dec 2014 23:53:33 GMT

Hi guys,

I recently applied for a BCP and got approved - http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-Approval/td-p/3675143. I applied through an offer on creditcards.com where I get $250 cash back after $1000 spending in the first 3 months. The same day, I got a better sign up offer for the BCE - $200 cash back + 1 year free of Amazon prime. I'm sure once I get the card and call them, they'll match this offer. But is there a way I can get a better offer since the offer in the mail was for BCE and I have a BCP? Has anyone here gotten a better offer than this? Maybe $250 plus 1 year of Amazon prime.

Re: Better offer in mail after being approved for BCP

Gunnar419 — Mon, 08 Dec 2014 00:01:48 GMT

I don't know of any better offers, but in my experience, although Amex will match a better one, they'll tell you to meet the minimum spend first, then ask. At least that's what they did with me.

Re: Better offer in mail after being approved for BCP

Anonymous — Mon, 08 Dec 2014 00:34:27 GMT

@slvrhwk wrote:
Hi guys,

I recently applied for a BCP and got approved - http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-Approval/td-p/3675143. I applied through an offer on creditcards.com where I get $250 cash back after $1000 spending in the first 3 months. The same day, I got a better sign up offer for the BCE - $200 cash back + 1 year free of Amazon prime. I'm sure once I get the card and call them, they'll match this offer. But is there a way I can get a better offer since the offer in the mail was for BCE and I have a BCP? Has anyone here gotten a better offer than this? Maybe $250 plus 1 year of Amazon prime.

Apply for both!

Re: Better offer in mail after being approved for BCP

newhis — Mon, 08 Dec 2014 04:09:28 GMT

@Anonymous wrote:
@slvrhwk wrote:
Hi guys,

I recently applied for a BCP and got approved - http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-Approval/td-p/3675143. I applied through an offer on creditcards.com where I get $250 cash back after $1000 spending in the first 3 months. The same day, I got a better sign up offer for the BCE - $200 cash back + 1 year free of Amazon prime. I'm sure once I get the card and call them, they'll match this offer. But is there a way I can get a better offer since the offer in the mail was for BCE and I have a BCP? Has anyone here gotten a better offer than this? Maybe $250 plus 1 year of Amazon prime.
Apply for both!

If you got the offer by mail, I'm sure it is valid until some day in January, so you can wait and apply for it next month for backdate

Re: Better offer in mail after being approved for BCP

slvrhwk — Mon, 08 Dec 2014 07:05:48 GMT

@newhis wrote:
@Anonymous wrote:
@slvrhwk wrote:
Hi guys,

I recently applied for a BCP and got approved - http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-Approval/td-p/3675143. I applied through an offer on creditcards.com where I get $250 cash back after $1000 spending in the first 3 months. The same day, I got a better sign up offer for the BCE - $200 cash back + 1 year free of Amazon prime. I'm sure once I get the card and call them, they'll match this offer. But is there a way I can get a better offer since the offer in the mail was for BCE and I have a BCP? Has anyone here gotten a better offer than this? Maybe $250 plus 1 year of Amazon prime.
Apply for both!
+1

If you got the offer by mail, I'm sure it is valid until some day in January, so you can wait and apply for it next month for backdate

Having the BCE and the BCP is kind of redundant. Or maybe I didn't understand your point.

Re: Better offer in mail after being approved for BCP

Anonymous — Mon, 08 Dec 2014 11:23:38 GMT

No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.

Re: Better offer in mail after being approved for BCP

slvrhwk — Mon, 08 Dec 2014 19:40:26 GMT

@Anonymous wrote:
No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.

I can just PC the BCP to BCE in that case.

Re: Better offer in mail after being approved for BCP

Anonymous — Mon, 08 Dec 2014 19:42:52 GMT

@slvrhwk wrote:
@Anonymous wrote:
No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.
I can just PC the BCP to BCE in that case.

But then you don't get the signup bonus..

Re: Better offer in mail after being approved for BCP

slvrhwk — Mon, 08 Dec 2014 20:13:26 GMT

@Anonymous wrote:
@slvrhwk wrote:
@Anonymous wrote:
No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.
I can just PC the BCP to BCE in that case.
But then you don't get the signup bonus..

True. But I'm not a fan of collecting credit cards. I'll just give them a call and ask them to match the sign-up bonus for BCP.

Re: Better offer in mail after being approved for BCP

Anonymous — Mon, 08 Dec 2014 20:15:33 GMT

@slvrhwk wrote:
@Anonymous wrote:
@slvrhwk wrote:
@Anonymous wrote:
No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.
I can just PC the BCP to BCE in that case.
But then you don't get the signup bonus..
True. But I'm not a fan of collecting credit cards. I'll just give them a call and ask them to match the sign-up bonus for BCP.

I suppose. Different strokes, lol.

I know what i'd do though....I never get nice offers, and I've had AMEX for nearly 7 years...

Re: Better offer in mail after being approved for BCP

slvrhwk — Mon, 08 Dec 2014 20:39:53 GMT

@Anonymous wrote:
@slvrhwk wrote:
@Anonymous wrote:
@slvrhwk wrote:
@Anonymous wrote:
No, not really. If you decide in the future the BCP isn't worth the AF in the future, you can always close/roll limit into BCE. And vice versa in case the BCP works best for you.
I can just PC the BCP to BCE in that case.
But then you don't get the signup bonus..
True. But I'm not a fan of collecting credit cards. I'll just give them a call and ask them to match the sign-up bonus for BCP.
I suppose. Different strokes, lol.

I know what i'd do though....I never get nice offers, and I've had AMEX for nearly 7 years...

That's probably because Amex has good offers only for new customers. That also makes me think whether I will get the same (good) offer on both cards. Maybe not.

Re: Better offer in mail after being approved for BCP

slvrhwk — Fri, 12 Dec 2014 23:52:15 GMT

So I received my card yesterday. I called up customer service moments ago, they said they cannot change my offer, that once an offer is applied, it cannot be changed. Is there something else that I can try? It's only a $50 diff, I wouldn't mind not getting it, but still, it would be nice if I got it.

Re: Better offer in mail after being approved for BCP

elim — Sat, 13 Dec 2014 00:04:13 GMT

@slvrhwk wrote:
So I received my card yesterday. I called up customer service moments ago, they said they cannot change my offer, that once an offer is applied, it cannot be changed. Is there something else that I can try? It's only a $50 diff, I wouldn't mind not getting it, but still, it would be nice if I got it.

apply for both (1 in Jan) and keep the card that works for you next year.

Re: Better offer in mail after being approved for BCP

slvrhwk — Sat, 13 Dec 2014 00:10:37 GMT

@elim wrote:
@slvrhwk wrote:
So I received my card yesterday. I called up customer service moments ago, they said they cannot change my offer, that once an offer is applied, it cannot be changed. Is there something else that I can try? It's only a $50 diff, I wouldn't mind not getting it, but still, it would be nice if I got it.
apply for both (1 in Jan) and keep the card that works for you next year.

I've heard that most of the sign-up bonuses are for new members. The offer that I got in mail was targeted at me not being an Amex member. So I feel if I do end up applying for BCE, they'll only give me the regular bonus, which I think is $50 + 1 year of Amazon prime.

Anyone know of any way that worked for them in the past where the sign-up bonus was matched?