Got another “Activate Pay Over Time” offer

NRB525 · ‎08-14-2021

Early 2020, I got an offer for a ridiculous amount of MR, 40k if I remember correctly, to add Pay Over Time to my Green card. Just activate it, no other conditions. So yeah, took that.

Got another mailer today, this time for 20k MR for activating Pay Over Time on my Platinum. This is too easy.

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

Gunnerboy · ‎08-14-2021

Free 40k on the Green is insane!! I was giddy over the 20k for my Gold.

"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."

Red1Blue · ‎08-14-2021

Congrats

Adkins · ‎08-14-2021

Nice! Congratulations!

Last HP 08-07-2023

MrDisco99 · ‎08-15-2021

Wow... I activated mine for only 10K. Congrats!

Affinity Cash Rewards VSig $25,000 prime +9.25%

Amex Hilton Surpass $20,000 prime+17.49%

Amex Blue Business Plus $30,000 prime+12.99%

Barclays Wyndham Earner VSig $22,800 prime+11.99%

Cap1 Quicksilver WEMC $10,000 prime+14.74%

Chase Freedom Flex WEMC $10,000 prime+17.49%

Chase Freedom Unlimited VSig $10,000 prime+17.49%

Chase IHG Select WMC $5,000 prime+19.74%

Chase Sapphire Preferred VSig $10,000 prime+12.74%

Citi DoubleCash WEMC $10,000 prime+16.24%

Citi Custom Cash WEMC $11,200 prime+12.74%

Renasant (Elan) Max Cash Preferred VSig $25,000 prime+11.24%

Renasant (Elan) Everyday Rewards+ VSig $4,000 prime+11.24%

Synchrony Verizon VSig $15,000 prime+18.49%

cashorcharge · ‎08-15-2021

Very nice!!! 🥂

NRB525 · ‎08-15-2021

"This promotion is either invalid or no longer available."

The promotion was via snail mail. In the last few weeks I did a Check Spend Power for $10,000 on my Gold card, then charged $9k for auto repairs. That went into a $0 fee Plan It plan. Then I did a Check Spending Power for $3,000 on my Platinum card, and charged $2,600 for more auto repairs.

I'm guessing that use of credit made them second-think the POT offer. "Well, if he's using the card for large charges, more likely to come to us looking to pay 19%, so why give an offer?"

So no joy here

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