Don’t forget about asking Chase to bump your bonus

A few days ago we wrote about some good credit card offers publicly available with unusually high bonus offers.

One of the cards that we wrote about was the Chase United Mileage Plus Explorer card. The card’s sign up bonus has been temporarily raised to 50,000 United miles after spending $2,000 within the first 3 months of card membership, plus an additional 5,000 miles for adding an authorized user and making a purchase during that time. You must apply at a Chase branch to get the better offer.

Image from United Explorer website

Image from United Explorer website

When the better offer came out, my parents called me and said they were upset that they had both applied for the lower 30,000 miles offer. I knew Chase has been known in the past to award the higher bonus offer if the cardholder requests the better offer, generally within 90 days of having applied for the lower bonus card. So I called Chase and conferenced my parents in so I could help them request the additional bonus.

Chase told me that their original offer was 30,000 miles for $1,000 in spending in 3 months, so the rep told me that as long as they spent the additional $1,000 required of the higher offer within 3 months of their original application date, they would be granted the additional 20,000 miles each. So I helped my parents complete the additional spending in a couple of weeks, and then called again to verify that they had met the terms of the new offer. The Chase rep confirmed, and my parents walked away with an additional 20,000 United miles each.

If you’ve recently applied for a card and become aware of a better offer in less than 90 days after you apply, it doesn’t hurt to call the bank and request the better offer. Some banks are better than others about granting the request, so YMMV, but it never hurts to ask.

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