@Subexistence wrote:I always PIF so I'm not sure why I recieved this insulting offer.
I don't know if that spells a bad omen and if so, how can I make amex think I'm a responsible person who doesn't carry balances. Hopefully I'm never targetted for an offer like this. What factors would Amex think that I deserve that offer?
You are kidding, right?
Remember you are young as is your profile . As time goes by youll be able to get all the free money you want . Chasing bonuses isnt for everyone but if its what you like to do just make sure you do it right. Offers like you mentioned are , as mentioned earlier are seen as sign up bonus' so if suggest when you get offrrs just look at them objectively to see do they work with your spend/ profile.
In example , many here get offers all the time on lets say their Penfed accounts. Ive had my card a year and still nothing. I cant take that as a slight or insult because many of those getting those offers, their profiles have either earned those offers or support them. Just takes time to build up your profile and earn them. Some people on occasion may teceive targeted offers that may offer a spend bonus if they havent used their card in awhile but i think those are far and in between. Even though i didnt need to , i do an occasional bt with my Citi dc just to show more responsible use of my credit and perhaps it opens more credit for me in the future,perhaps not but it nice to have the option
In example , many here get offers all the time on lets say their Penfed accounts. Ive had my card a year and still nothing. I cant take that as a slight or insult because many of those getting those offers, their profiles have either earned those offers or support them. Just takes time to build up your profile and earn them. Some people on occasion may teceive targeted offers that may offer a spend bonus if they havent used their card in awhile but i think those are far and in between. Even though i didnt need to , i do an occasional bt with my Citi dc just to show more responsible use of my credit and perhaps it opens more credit for me in the future,perhaps not but it nice to have the option
Op:
You have a thin, young, credit file... and your offended that you got a BT offer?
Actually it shows absolutely nothing... Its marketing...
Credit is more than a score. its also income related...
You might have a great score. but you don't currently have substance and aging of your CR... low AAoA and such...
That said..
The fact they are offering you BT offers means they think your a good risk.. and that they want to make money off you.. esp because you do PIF....
Chasing bonuses with a young thin file is not the same as someone who has a thicker file and some aging on their accounts...
Think you should revisit your priorities and not be so easily offended when your given an offer.. You dont have a strong CR.
And if you feel the need and appropriateness to clawback donations to charities and organizations you have other issues that are more pressing to address as well....
You are putting the pieces in place for a strong, thick, CR but its not there yet.. needs to marinate and set....
Credit is not a sprint, but a marathon...
If OP is offended by that I can't imagine the reaction when he/she receives a Credit One or First Premier mailer at 29.99% 
@HeavenOhio wrote:Sub, is this for a new card, or does the offer apply to your current card?
At any rate, they're trying to get your money. Feel good about that rather than feeling insulted.
My current card.
Starting Score: Ex08-732,Eq08-713,Tu08-717