Phantom promotions...

For just about anything you want to get off your chest about credit cards.
6 posts
jeffysdad
Centurion Member
Centurion Member
 
Posts: 875
Joined: Thu Apr 30, 2009 2:32 pm
Location: Texas

Phantom promotions...

Postby jeffysdad » Wed Jul 15, 2009 11:43 am

Credit card companies seem to have short memories when it comes to living up to their end of promotions. Two personal instances:

Applied for Amex gold because first year free they offer 10,000 points after $500 spend. I spent the $500 in the first month but never got the points. Multiple calls and reps were never familiar with the promotion, didn't know anything about it, couldn't find that I was registered for it, etc. After complaint to BBB, I finally got a call from Amex today. They said they had no record of my qualifying for the promotion (bull!) but they were going to award points on my next statement for "goodwill."

Second case. Longtime Chase Freedom cardholder. In October they send me an e-mail saying that if I pay my auto/home insurance via automatic debit to card, they will give me a $15 statement credit. I registered for the reward, made the payment like I was supposed to, etc. Was supposed to get reward by July 15 but it never showed. Customer service rep doesn't know anything about the promotion. Just filed another complaint with the BBB and expect to have my $15 credit in about 2-3 months.

If you've experienced anything like this, don't let them get away with it. Make them live up to their end of the bargain. Even if it's just $15 they need to know that they can't get away with screwing people, especially not after taking all that government bailout money.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.


User avatar
fffresh
Centurion Member
Centurion Member
 
Posts: 416
Joined: Sat Apr 26, 2008 9:12 pm
Location: the edge of the world

Postby fffresh » Wed Jul 15, 2009 1:31 pm

Two summers ago I applied for the Amex Gold card to take advantage of a similar promotion. They were offering 25,000 bonus points after your first purchase. I received the card and made purchases but never saw my bonus points show up. After a while, I want to say around 2 months, I called them up to address this situation. They said this was normal as it takes 8 to 12 weeks before promotional credits and points show up on new accounts.

Most companies in general bank on the fact Americans are often too lazy to followup on a $10 promo here or a few points there. I had the same problem with Sprint for enrolling in electronic bill pay. In the case of American Express I do believe in my situation they were being honest but regardless there is no valid reason why it should take 2 to 3 months to see these bonuses reflected on a new account.

User avatar
Cucumber
Centurion Member
Centurion Member
 
Posts: 567
Joined: Tue Apr 22, 2008 12:44 am
Location: Zuma

Postby Cucumber » Fri Jul 17, 2009 3:10 am

Cable companies are who is worst with this. Time Warner never honors their promo offers or what they do is cut them short. Like I was supposed to have a 6 month price and they honored it for only 3 months then started charging normal. The sad part is they can get away with this 99% of the time because they know the customer will have a tough time actually proving what a promo was if it was told to them on the phone or shown on an internet ad.
OBAMA
Stop talking crap about him!

jeffysdad
Centurion Member
Centurion Member
 
Posts: 875
Joined: Thu Apr 30, 2009 2:32 pm
Location: Texas

cover yourself

Postby jeffysdad » Fri Jul 17, 2009 12:40 pm

Always print out any online offers. If you can, get the offer in writing from anyone who promises you something on the phone.

Be a squeaky wheel. After a while they'd rather just give you what they were supposed to in the first place to get rid of you.

I thought of another since my orig. post. ING Direct had an offer: put 75 bucks in a new brokerage account and they'd match it and you could take all the money out in six months if you wanted. I had to call and call before their half of the deal showed up in the account. When it came to withdrawal time I was told the six months was actually 180 business days, not a calendar six months. But sure enough, shortly after the account released the entire $150.

This is a little off topic, but another way to pick up some extra scratch is by complaining when something is genuinely wrong with a product and asking for some sort of consideration for your trouble. By doing this I've gotten free, among other things: $15 worth of laundry detergent, several tubes of toothpaste, two months' worth of toilet paper, snacks and other stuff.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

DGenerateKane
Centurion Member
Centurion Member
 
Posts: 108
Joined: Wed Jan 14, 2009 5:59 pm
Location: Earth

Postby DGenerateKane » Fri Jul 17, 2009 2:56 pm

My Sony card was supposed to have 5000 bonus points, I never got them. Probably too late now.

Oh, a couple months after Chase took over Wamu they sent me an offer for $100 if I opened a checking account with them. I did it online and 2 days later the site kept giving me an error and telling me to try again later. Two days after that I finally found their number and called and found out I was considered high risk and my accounts closed. Mind you my FICO score at the time was around 790, I guess only billionaires can get new accounts from them. :/

User avatar
fffresh
Centurion Member
Centurion Member
 
Posts: 416
Joined: Sat Apr 26, 2008 9:12 pm
Location: the edge of the world

Postby fffresh » Wed Jul 22, 2009 7:25 pm

It sounds as if this is a widespread problem. From now on I will begin printing off copies and keep a record of any promotional offers I take advantage of.



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 1 guest