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Last month I wrote about getting 2,500 miles from my Continental Onepass Credit Card just for asking. This month, I have done it again with my Chase Rewards card. Basically what I am doing is asking for a retention bonus. I few years ago I got one without asking, but for the most part you won’t get it unless you ask (unless it is a standard benefit of your particular credit card). What I typically do is wait until around the month that my credit card is due for an annual fee and then write them explaining that I would like to be considered for a “retention bonus” in order to help justify paying another year’s annual fee. I have heard of instances where the annual fee ends up getting waived, but that has never happened to me. I’m not complaining though, because in both cases this year I have received 2,500 points in my account just for asking. The value of those points is typically somewhere between $25-$50, depending on what you use them for. Not at all a bad deal just for asking!
Here is how the conversation went this go round:
I make initial request:
They respond with something other than points:
I edited some of the response out as they just went on about different credit cards, one of which I already had!
I clarify what I am asking for:
They send it to the “appropriate department” – always a good sign!
And voila, success!
Of course there is never a guarantee that they will grant the points, but it doesn’t hurt anything to ask! You can also do it over the phone if that is more your style. I recommend asking in a way similar to what I’ve just demonstrated and timing it a month or so before your annual fee is due. Then just be polite, but persistent, and see what you get!