topic Re: targeted offer: USB Cash+ to USB Go "Upgrade" in Credit Cards

targeted offer: USB Cash+ to USB Go "Upgrade"

coldfusion — Wed, 16 Mar 2022 14:02:27 GMT

"Congratulations, ColdFusion, you've earned an upgrade"

I don't see this as an upgrade partly because I leverage the 5% CB feature pretty heavily, but more to the point it looks like Socks Bank is sending out targeted PC offers today.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Red1Blue — Wed, 16 Mar 2022 14:30:46 GMT

Congratulations @coldfusion for your offer your card to upgrade.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Remedios — Wed, 16 Mar 2022 14:36:53 GMT

@Red1Blue wrote:
Congratulations @coldfusion for your offer your card to upgrade.

But they expressed complete lack of interest in the offer and don't consider it an upgrade by any means.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Remedios — Wed, 16 Mar 2022 14:37:55 GMT

@coldfusion wrote:
"Congratulations, ColdFusion, you've earned an upgrade"

I don't see this as an upgrade partly because I leverage the 5% CB feature pretty heavily, but more to the point it looks like Socks Bank is sending out targeted PC offers today.

Maybe they will get rid of Cash+ in the future and stick with Altitude line only.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

coldfusion — Wed, 16 Mar 2022 16:51:51 GMT

@Remedios wrote:
@coldfusion wrote:
"Congratulations, ColdFusion, you've earned an upgrade"

I don't see this as an upgrade partly because I leverage the 5% CB feature pretty heavily, but more to the point it looks like Socks Bank is sending out targeted PC offers today.

Maybe they will get rid of Cash+ in the future and stick with Altitude line only.

That would make me sad as the Cash+ fills a niche for me every month that the Altitude cards really can't and I find the thought of getting a Go about as exciting as you did 😐

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Anonymous — Wed, 16 Mar 2022 17:19:05 GMT

@coldfusion wrote:

That would make me sad as the Cash+ fills a niche for me every month that the Altitude cards really can't and I find the thought of getting a Go about as exciting as you did 😐

Yes, I think the nice thing about Cash + is its niche spend categories! We see complaints that the categories aren't useful, but if they are (to you) they are! If the categories included at 5% say groceries and gas, more people would be interested but there are already some cards that cover that space.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Anonymous — Wed, 16 Mar 2022 17:21:44 GMT

@Remedios wrote:
@Red1Blue wrote:
Congratulations @coldfusion for your offer your card to upgrade.
But they expressed complete lack of interest in the offer and don't consider it an upgrade by any means.

Right, but the response isn't a whole lot less meaningful than the many congrats in approvals (which I could rudely categorize as "Someone I don't really know at all has got a card which might or might not be useful to them, even if they wanted it")

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Remedios — Wed, 16 Mar 2022 17:52:42 GMT

@Anonymous wrote:
@Remedios wrote:
@Red1Blue wrote:
Congratulations @coldfusion for your offer your card to upgrade.
But they expressed complete lack of interest in the offer and don't consider it an upgrade by any means.

Right, but the response isn't a whole lot less meaningful than the many congrats in approvals (which I could rudely categorize as "Someone I don't really know at all has got a card which might or might not be useful to them, even if they wanted it")

If someone decided to make an approval thread because they are sharing DPs, they are bragging, or simply excited about new credit because they aren't (this) jaded yet, congrats are appropriate response and voluntary one at that, no one is making anyone go there and say it.

However, if I start a thread in auto loans because I need a new car, I don't expect to see "congrats on your engine catching fire"

Besides, "meaningful" is completely arbitrary state, and I don't think we have arbiter elegantiarum role assigned.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Red1Blue — Wed, 16 Mar 2022 18:20:37 GMT

To be honest, I am not sure what OP is asking us. I have both Cash+ and Altitude Go cards. I am not sure going from Cash+ to Alt Go is an upgrade. They are both are in similar class. I like the 5% cash back on Cash+ I use that card to pay my utilities and fast food like Burger King, McDonalds and several other places. Alt Go gives better rewards when we use it for formal dining like Buffalo Wild Wings and other formal dining places. I carry both Cards in my wallet where ever I go and use appropriately to maximize the rewards. I am not sure if one card can replace other card as the benefits are offered by each card are tailored for a particular purpose. I personally would not trade my Cash+ card and Alt Go card for each other or for some other card. At least that is my two cents on these two cards. Everyone is different and looks at different things.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

K-in-Boston — Wed, 16 Mar 2022 19:25:50 GMT

I have to agree that calling it an upgrade it a bit of a stretch. I suppose it really would matter how one's spend is broken out into the various 4x/2x categories on Go and the 5%/2% categories on Cash+, as there are some possible combinations where Go may be better, particularly for those who have significant non-fast food restaurant and/or significant spending in other categories that would be capped on Cash+. I'm definitely in the niche use case for my Cash+, as it fills my utilities and streaming spend nicely with its 5%, and I just pick a 2% category at random. For me, Amex Gold completely eclipses every earning possibility on Go, but it's still certainly a great food card for most people.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Anonymous — Wed, 16 Mar 2022 19:32:08 GMT

@Remedios wrote:
I don't think we have arbiter elegantiarum role assigned.

Hey, that's an unfair use of superior knowledge! I went to ask my mother what that meant, remembered that she has been dead for over ten years (no congrats please) so had to resort to Google. Oh, I mean I knew all along but if others are interested, Google is the way.,,

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Wavester64 — Wed, 16 Mar 2022 19:44:02 GMT

@Remedios wrote:
@coldfusion wrote:
"Congratulations, ColdFusion, you've earned an upgrade"

I don't see this as an upgrade partly because I leverage the 5% CB feature pretty heavily, but more to the point it looks like Socks Bank is sending out targeted PC offers today.

Maybe they will get rid of Cash+ in the future and stick with Altitude line only.

They probably will because I was just approved for it this week!

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Remedios — Wed, 16 Mar 2022 20:07:25 GMT

@Anonymous wrote:
@Remedios wrote:
I don't think we have arbiter elegantiarum role assigned.

Hey, that's an unfair use of superior knowledge! I went to ask my mother what that meant, remembered that she has been dead for over ten years (no congrats please) so had to resort to Google. Oh, I mean I knew all along but if others are interested, Google is the way.,,

Does that mean I can spend another $50?

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

FinStar — Wed, 16 Mar 2022 20:23:41 GMT

@Remedios wrote:
@Anonymous wrote:
@Remedios wrote:
I don't think we have arbiter elegantiarum role assigned.

Hey, that's an unfair use of superior knowledge! I went to ask my mother what that meant, remembered that she has been dead for over ten years (no congrats please) so had to resort to Google. Oh, I mean I knew all along but if others are interested, Google is the way.,,
Does that mean I can spend another $50?

I'm not even going to 'Big Sue's' this time 😂

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

Remedios — Wed, 16 Mar 2022 20:43:08 GMT

@FinStar wrote:
@Remedios wrote:
@Anonymous wrote:
@Remedios wrote:
I don't think we have arbiter elegantiarum role assigned.

Hey, that's an unfair use of superior knowledge! I went to ask my mother what that meant, remembered that she has been dead for over ten years (no congrats please) so had to resort to Google. Oh, I mean I knew all along but if others are interested, Google is the way.,,
Does that mean I can spend another $50?
I'm not even going to 'Big Sue's' this time 😂

That's what she said

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

coldfusion — Wed, 16 Mar 2022 21:39:27 GMT

@Red1Blue wrote:
To be honest, I am not sure what OP is asking us. I have both Cash+ and Altitude Go cards. I am not sure going from Cash+ to Alt Go is an upgrade. They are both are in similar class. I like the 5% cash back on Cash+ I use that card to pay my utilities and fast food like Burger King, McDonalds and several other places. Alt Go gives better rewards when we use it for formal dining like Buffalo Wild Wings and other formal dining places. I carry both Cards in my wallet where ever I go and use appropriately to maximize the rewards. I am not sure if one card can replace other card as the benefits are offered by each card are tailored for a particular purpose. I personally would not trade my Cash+ card and Alt Go card for each other or for some other card. At least that is my two cents on these two cards. Everyone is different and looks at different things.

I'm not asking for anything. I was trying to point out that 🧦 is explicitly signaling their current willingness to approve product changes between cards; whether or not this is the only PC they are looking to promote is unknown as is their motivation although I think Remi's comment about an upcoming portfolio shift to only Altitude cards is plausible.

Much like @K-in-Boston I already have other viable options than the GO card for its 4% and 2% categories. No interest in accepting the offer but it might appeal to others, hence the heads-up.

Re: targeted offer: USB Cash+ to USB Go "Upgrade"

coldfusion — Wed, 16 Mar 2022 21:40:37 GMT

@Remedios wrote:
@FinStar wrote:
@Remedios wrote:
@Anonymous wrote:
@Remedios wrote:
I don't think we have arbiter elegantiarum role assigned.

Hey, that's an unfair use of superior knowledge! I went to ask my mother what that meant, remembered that she has been dead for over ten years (no congrats please) so had to resort to Google. Oh, I mean I knew all along but if others are interested, Google is the way.,,
Does that mean I can spend another $50?
I'm not even going to 'Big Sue's' this time 😂
That's what she said

I am not going to go anywhere near that one 😂