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Can you request increase in sign up bonus time?

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Subexistence
Established Contributor

Can you request increase in sign up bonus time?

My BCE $250 bonus for spending $1000 ends in 3 months. Is there any way I can request it be extended to 6 months. I've heard of credit limit increase, interest rate decrease, cash advance fee drop, and late payment fee drop requests succes on myfico. I've just never heard of any request like mine. It would be really helpful because I need time to spend up to $1000.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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48 REPLIES 48
Anonymous
Not applicable

Re: Can you request increase in sign up bonus time?

Subexistence- No, they will not give you more time for any reason.

My best suggestion is spend as much as you can to get close. Then purchase an Amex Giftcard through American Express to fulfill the rest, that is kind of an extension.

Occasionally there will be a bonus offer to purchase Amex GiftCard in your Offers Section.

And

If you google Amex giftcard promo codes you can find a code for free shipping. Right now the code is: Freeshp17a

That's my best advice
Message 2 of 49
Anonymous
Not applicable

Re: Can you request increase in sign up bonus time?

it wouldn't hurt to try, but I'd say it'd be a long shot.

Message 3 of 49
sarge12
Senior Contributor

Re: Can you request increase in sign up bonus time?


@Subexistence wrote:

My BCE $250 bonus for spending $1000 ends in 3 months. Is there any way I can request it be extended to 6 months. I've heard of credit limit increase, interest rate decrease, cash advance fee drop, and late payment fee drop requests succes on myfico. I've just never heard of any request like mine. It would be really helpful because I need time to spend up to $1000.


I can't say that I've ever even heard of someone having trouble meeting a 1000 dollar in 3 month requirement. I'm single, and my groceries alone in 3 months would come close...most utilities, cable bills, insurance, etc. can be paid via credit card. I do not believe American Express will extend that date, but I could be wrong. You may be the only person I've ever known that does not have 335 dollars a month in expenses that can be put on a card, unless of course you are having to try to meet that to get the SUB on multiple cards at the same time. If all else fails, surely you have a relative who normally pays some bill with a check that will give you cash and let you pay their bill with the card.

TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 4 of 49
Subexistence
Established Contributor

Re: Can you request increase in sign up bonus time?


@sarge12 wrote:

@Subexistence wrote:

My BCE $250 bonus for spending $1000 ends in 3 months. Is there any way I can request it be extended to 6 months. I've heard of credit limit increase, interest rate decrease, cash advance fee drop, and late payment fee drop requests succes on myfico. I've just never heard of any request like mine. It would be really helpful because I need time to spend up to $1000.


I can't say that I've ever even heard of someone having trouble meeting a 1000 dollar in 3 month requirement. I'm single, and my groceries alone in 3 months would come close...most utilities, cable bills, insurance, etc. can be paid via credit card. I do not believe American Express will extend that date, but I could be wrong. You may be the only person I've ever known that does not have 335 dollars a month in expenses that can be put on a card, unless of course you are having to try to meet that to get the SUB on multiple cards at the same time. If all else fails, surely you have a relative who normally pays some bill with a check that will give you cash and let you pay their bill with the card.


I have a dining plan at my college so I don't buy groceries until the summer. I'm also pretty cheap. I guess adding AU or paying someone else's bill works.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 5 of 49
sarge12
Senior Contributor

Re: Can you request increase in sign up bonus time?


@Anonymous wrote:
Subexistence- No, they will not give you more time for any reason.

My best suggestion is spend as much as you can to get close. Then purchase an Amex Giftcard through American Express to fulfill the rest, that is kind of an extension.

Occasionally there will be a bonus offer to purchase Amex GiftCard in your Offers Section.

And

If you google Amex giftcard promo codes you can find a code for free shipping. Right now the code is: Freeshp17a

That's my best advice

I'm not too sure if Amex pays rewards on an Amex gift card purchase...have you actually done this before?  Edit...this is copy and paste from Amex cash back terms.

 

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.
An annual reward year is 12 billing periods in a row beginning with the one that includes January 1st; if your billing cycle changes, the length of your annual reward year will also change.

 

TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 6 of 49
HeavenOhio
Senior Contributor

Re: Can you request increase in sign up bonus time?

Congratulations on the new card.

 

When I got the BCE, I took a $150 sign-up bonus on $500 initial spend. I wonder if that's an option.

 

If I could trade deals with you, I would. Smiley Happy I had no trouble spending $1,000 pretty quickly.

Message 7 of 49
Subexistence
Established Contributor

Re: Can you request increase in sign up bonus time?


@HeavenOhio wrote:

Congratulations on the new card.

 

When I got the BCE, I took a $150 sign-up bonus on $500 initial spend. I wonder if that's an option.

 

If I could trade deals with you, I would. Smiley Happy I had no trouble spending $1,000 pretty quickly.


I did this to get my offer.https://www.reddit.com/r/churning/comments/5iuht1/a_new_method_to_get_amex_highest_offers_the/








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 8 of 49
NRB525
Super Contributor

Re: Can you request increase in sign up bonus time?

You need to start a list of everything you could possibly buy, bills you need to pay, to then determine what the best way is to obtain it.

 

When do you buy textbooks for next term? Where do you buy those books?

At the grocery store, if you buy relatively small denomination gift cards, fixed amounts of $25 or $50 those can "pre-spend" funds that you know you will use later, such as gasoline cards, or if you plan to go to Darden restaurants or McDonalds or Wendy's or Five Guys at some point in the future. You don't want to over do it, but it can help with some spend amount. The reloadable or variable value gift cards often get called out, but picking up one or two small fixed value ones seems to not be a problem.

 

Do you have any sort of maintenance requirement on a vehicle you own?

All monthly bills need to go on this card. Do you pay for any insurance, such as auto insurance or renters insurance? Cell phone bills?

 

AMEX spend is one of the most difficult to get completed, because of the relatively fewer places AMEX is accepted. I doubt they will extend the time allowed.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 49
Anonymous
Not applicable

Re: Can you request increase in sign up bonus time?

Sarge - That means prepaid debit cards ones that you're able to get cash from, purchasing Amex giftcards you cannot get cash from them.

I can personally confirm that you DO earn rewards on purchases of Amex giftcards DIRECTLY from American Express, and they DO count towards spend requirements.

As for purchasing from a 3rd party like a grocery store I cannot confirm it but I do suspect that if you purchase a "giftcard" with a Visa/MC/Amex logo that is NOT a "prepaid card" meaning it is reloadable, then you will also earn rewards.
Message 10 of 49
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