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The Match card bank credit card rewards summary

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Apply for a credit card when you are finished, are not required to complete a card reward consumption is enough?You can also continue to focus on the card open card rewards change, if there is a higher card rewards, and hopefully make banks give you match this part of the award.Today to sum up the banks for credit card rewards match situations and how we match card rewards.

The Match card bank credit card rewards summary

1. Match card rewards profile

Credit card rewards are along with the Bank's policies, and changing market conditions.Banks want to increase their market share, it will provide an increased rewards, if banks find that the credit card does not achieve the desired effect, reduces card rewards.For us is, of course, could possibly take advantage of the highest rewards application is best.However, people miss the day, sometimes just applied for through a credit card, a few days after seeing a higher card rewards, hate only at that time did not hold back!

Some banks are opening incentives match policy.For example, you get a credit card for a period of time, if there is a better card reward options appear, you can ask the Bank match better card prize.Then it means that you just have a few months no better reward or a Jedi now.However, each bank to match opening incentive policy is not the same.Here to summarize each bank's characteristics and how to match card rewards.

Note: match new card rewards are generally public offer, which means that everyone can see the rewards.And target offer, such as people receiving mail or letter of offer is hard to match.However, the try is just as well.

2. American Express

2.1-General policy

AMEX is often praised by everyone is a big Bank, but on match card rewards do very mean.Their policies can be summed up as:

  • Does not Match card rewards, but may give some compensation: before you apply for an AMEX SPG credit card 25k card reward, and in March this card a record reward of 35k.If you contact customer service via online chat or a punch in the back of the telephone, generally get responses are "AMEX does not match card rewards".However, if you communicate with customer service, customer service will give some Goodwill points, which is compensation for some comfort.Comfort in this part of the compensation is not a match to the card rewards, so everyone gets the compensation may vary (YMMV).These compensation and you communicate with customer service, AMEX credit card history, consumption and other factors on the AMEX card.
  • These points will appear in your account immediately: comfort because of the nature of the compensation, which points will appear in your account immediately.

2.2 How to get

Credit card customer service number on the back, or use AMEX Online Chat feature to contact customer service.Clarify before applying for a credit card reward and now card rewards, demanding match.If the customer refuses, persuasion, says he likes this card and consumption a lot or something like that.General compensation will give some comfort.Of course if the customer refuses, you can hang up the phone again to make a, or you can ask individual supervisor to continue communication.But note that AMEX did not match card reward policies, all your good communication, reasonable extra compensation, so the attitude is good, really get it, don't be flustered.

3. Chase

3.1 General policy

Chase mathc Rewards is the most generous Bank.Their policies can be summed up as:

  • Match card within 90 days of a new card rewards: before you apply for the Chase Freedom credit card 10K card rewards within 90 days of the card appeared now that the 17.5k with the highest rewards, then you can use a Secure Message or call customer service to match.90-day limit is very strict, no pressure within 90 days and beyond after a very difficult
  • Need to meet consumption requirements for new rewards: such as British Airways co-brand credit card now offers consumer spending during the first year of 20K, get 100k reward offer in total.If you applied for the previous offer, so if you want to match it, also need 20K.Remember, gets the card consumption time is computed from the original opening time from you, not match time.
  • After the Match, annual fee according to the original offer:British Airways joint credit cards offer consumer spending during the first year of 20K, get 100k reward offer in total, but the first year annual fee of $95 is not.If you apply for a 50k offer of annual fee waived for the first year, and then match this 100k after the offer, Chase will not find your annual fee for the first year.See: British Airways co-brand credit card analysis
  • Additional statement credit is difficult to match to: Chase airline and hotel name card at the time of booking hotels and air tickets, will jump out of some additional statement credit offer.IHG credit card at the time of booking you may see 80k+$50 's offer, which offer the current Chase may require the match to the front of the 80k, but $50 is very hard to Matcha.See: IHG credit card match
  • Appears after the Match points in the next Bill: consumption, among other requirements, match points will appear in the next Bill.Best contact customer service again for consumption after confirming that points into account.

3.2 How to obtain

The easiest way is to send Secure Message to chase, this match will be transferred to related departments, 1-3 will give you a reply within one business day.

The Match card bank credit card rewards summary

Match the steps:

  • Select the credit card to match in the message center, send message
  • Indicate in the message: its own opening time, the rewards, now see the best card rewards, it is best to attach the current links or map
  • Waiting for 1-3 days after sending, you can see the reply

Of course, calling also is possible, because the match is a 90 day provisions.

4. Citi

4.1 General policy

Citi is more moderate in the match, some customer service might be to match, and some may not, but better than AMEX.Their policies can be summed up as:

  • Can see the new Match90 day card rewards: before you apply for a Citi AA credit card 50k card incentives and target offer receive 60k in your mailbox, you can contact customer service match 60k card rewards.
  • Need to meet consumption requirements for new rewards: such as Citi Primer before credit cards 60k briefly offer, need to consume $3500, $3000 and 50k offer only consumption.$500 to match the additional consumption.
  • Appears after the Match points in the next Bill: consumption, among other requirements, match points will appear in the next billing

4.2 How do I get

Citi's call was very professional, so it's hard to match offer over the phone.If you want to call, go following an unsuccessful match supervisor, chances of success will be greater.Best way is through Citi secure message system

The Match card bank credit card rewards summary

Match the steps:

  • Select the credit card to match in the message center, send message
  • Indicate in the message: its own opening time, the rewards, now see the best card rewards, it is best to attach the current links or map
  • Waiting for 1-3 days after sending, you can see the reply

5. Other Bank policies

  • Barclays: can match card rewards, also send secure message or call
  • Discover: very difficult to match to the card rewards go supervisor a point hope
  • Bank of America: call to match card rewards, but due to the card being downgraded cannot match.Match duration is unknown, it was half a year could match the

6. How to find the card with the highest reward to Match

  • Follow blog updates, has the highest reward usually edit to Home
  • Pay attention to your mailbox and the mailbox to see if you have target offer
  • Query prequalify-offer of each bank, maybe a higher reward: see Prequalify methods (chapter III)

 





The Match card bank credit card rewards summary
The Match card bank credit card rewards summary
The Match card bank credit card rewards summary
The Match card bank credit card rewards summary

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