$10 cashback bonus for not using card - Credit Card Forum

robert.loehmann · 08-06-2008, 10:12 PM

I signed up for a Discover More card about 3 months ago and I haven't used it yet. Because of this I got a letter today in the mail from Discover offering a $10 cashback bonus if I make $100 in purchases before Sept 1st.

Maybe if I stop using all my credit cards they will make offers like this for me to use them again haha.

magyar1045 · 08-07-2008, 09:30 AM

Just an incentive/bribe to make you use the card. I keep getting incentives/bribes to sign up for paperless statements to just view my statements online and making online payments/sign up for auto withdrawals.

Mogul of Pineapples · 08-07-2008, 05:22 PM

Actually a couple of my cards gave incentives too when I stopped using them. The Citi Dividend and the Chase Perfect card both sent things in the mail when I went around 6 months without any activity. The Chase promo was over a year ago but I think it was for $25 statement credit for $75 in spending. That was good enough to get me to use it that month. But at the end of the day the card's normal rewards will determine whether I use it on a regular basis or not.

Gimmicks aren't enough to make me use a card that doesn't have the best rewards.

bikermike · 08-10-2008, 09:18 PM

$10 wouldn't be enough for me but the $25 incentive to use my credit card again would probably work. If they really want to keep a customer long term though they would up their rewards instead. I would keep using the Citi Dividend if they upped the rewards for gas and groceries back to 5%.

jettjr · 08-16-2008, 03:45 PM

Most card users get the most out of their cards if they pay off the balance every month. Even Davy Ramsey would agree with that (maybe)! I use two gas cards that pay rewards of 5% on all gas purchases from their own brand stores only!

robert.loehmann · 08-30-2008, 11:08 PM

Guys since it was a free $10 I did go ahead and put $100 in purchases on that card this past statement. What I liked was Discover gave me the credit right away.

When I've had things like that from American Express it usually takes 2 or 3 billing cycles before their promotion (whatever it is) show up.

Something that would actually work to get me to sign up for and use a card is if they offered higher cashback or rewards. If Citi offered the 5% cashback on gas/groceries/pharmacies for 6 months or longer as an incentive to go back to using their Dividend card I would do it. Paying a measly ten bucks isn't enough I agree haha. The main reason I used that card again was more to help my credit record.

kiboko · 09-28-2008, 08:07 PM

It would take way more than $10 just for me to keep a credit card!!! Give me strippers, hookers, and booze and then maybe I'll think about keeping it.

08-06-2008, 10:12 PM	#1
robert.loehmann Green Member Join Date: Aug 2008 Location: Toledo, Ohio Posts: 23	$10 cashback bonus for not using card I signed up for a Discover More card about 3 months ago and I haven't used it yet. Because of this I got a letter today in the mail from Discover offering a $10 cashback bonus if I make $100 in purchases before Sept 1st. Maybe if I stop using all my credit cards they will make offers like this for me to use them again haha.

08-07-2008, 05:22 PM	#3
Mogul of Pineapples Centurion Member Join Date: Jun 2008 Location: Where the smog from the 101 freeway coats my home's windows... Posts: 279	Actually a couple of my cards gave incentives too when I stopped using them. The Citi Dividend and the Chase Perfect card both sent things in the mail when I went around 6 months without any activity. The Chase promo was over a year ago but I think it was for $25 statement credit for $75 in spending. That was good enough to get me to use it that month. But at the end of the day the card's normal rewards will determine whether I use it on a regular basis or not. Gimmicks aren't enough to make me use a card that doesn't have the best rewards. __________________ “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.” -Warren Buffett Current Cards: American Express: Blue Cash, Simply Cash Bank of America: Visa Financial Rewards Platinum Plus Chase: Rewards Visa, Amazon Visa Discover: More Current Everyday Card: American Express Blue Cash

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08-07-2008, 09:30 AM	#2
magyar1045 Centurion Member Join Date: May 2008 Location: California Posts: 109	Just an incentive/bribe to make you use the card. I keep getting incentives/bribes to sign up for paperless statements to just view my statements online and making online payments/sign up for auto withdrawals.

08-10-2008, 09:18 PM	#4
bikermike Gold Member Join Date: Apr 2008 Location: Georgia Posts: 48	$10 wouldn't be enough for me but the $25 incentive to use my credit card again would probably work. If they really want to keep a customer long term though they would up their rewards instead. I would keep using the Citi Dividend if they upped the rewards for gas and groceries back to 5%.

08-16-2008, 03:45 PM	#5
jettjr Green Member Join Date: Aug 2008 Location: VA Posts: 1	Most card users get the most out of their cards if they pay off the balance every month. Even Davy Ramsey would agree with that (maybe)! I use two gas cards that pay rewards of 5% on all gas purchases from their own brand stores only!

08-30-2008, 11:08 PM	#6
robert.loehmann Green Member Join Date: Aug 2008 Location: Toledo, Ohio Posts: 23	Guys since it was a free $10 I did go ahead and put $100 in purchases on that card this past statement. What I liked was Discover gave me the credit right away. When I've had things like that from American Express it usually takes 2 or 3 billing cycles before their promotion (whatever it is) show up. Something that would actually work to get me to sign up for and use a card is if they offered higher cashback or rewards. If Citi offered the 5% cashback on gas/groceries/pharmacies for 6 months or longer as an incentive to go back to using their Dividend card I would do it. Paying a measly ten bucks isn't enough I agree haha. The main reason I used that card again was more to help my credit record.

09-28-2008, 08:07 PM	#7
kiboko Gold Member Join Date: Sep 2008 Location: WA Posts: 33	It would take way more than $10 just for me to keep a credit card!!! Give me strippers, hookers, and booze and then maybe I'll think about keeping it.