Targeted Offer - Revolving vs Charge

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Targeted Offer - Revolving vs Charge

Postby Spunky » Fri Sep 27, 2013 10:13 pm

I'm curious about Amex's offers. I've received mailers for BC, and checking through CardMatch paired me with BCP w/$250 signup bonus... but I've never seen any targeted or bonus offer for their charge cards despite excellent credit with a decent history.

Do non-current Amex customers typically receive promos for charge cards, or do they tend to only send those to customers with revolving Amex accounts?
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Postby Mrm-na » Sat Sep 28, 2013 5:17 am

I can only say what I've received - over the last couple years they've sent me more offers, with more lucrative terms (for an air traveler anyway), than any other bank by far, and I have no idea why.
I've never had any relationship with them. I'm not the AmEx type, basically, but they sure seem to think I am.

Offers have changed depending what my credit was like at the time.
When my TU FICO was roughly in the high 600s, they sent me offers for the Gold charge card. I don't remember if I ever got offers for Platinum when credit scores were better.. I vaguely remember an offer that might have been platinum but I don't have a good memory of it. I've never been offered Green that I can recall.
More recently, with higher credit scores, I get offers for the revolving Blue Sky with bonus points. In the past maybe there were other "Blue" variants offered, but I can't remember for sure.
So based on my own experience, I'm thinking they tend to send charge card offers to people with less credit.

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