Banana Republic CC Offer

Banana Republic sent me an email with an interesting offer. If I added an Authorized User to my credit card account, they would give me a $10 Reward Certificate.

Check your email if you got this offer. According to the email, you can add the "authorized user" in your online profile or calling 1-800-234-7455.

I am going to pass on this offer, because I don't have anyone to add as authorized user. If you got this offer, I would consider adding one of your college-aged students to your account. By adding your child, you can help build there credit. Afraid that they might use the credit card inappropriately? Don't give them the card to use. On the flip side, do not add your child without there permission. Too many of my young mortgage applicants have credit cards on their credit reports that they don't know about. Most of them were credit cards that they were authorized users on from their parents. While it helps build their credit, it can hurt them.

Did you get this offer?

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Look What I Got . . .

Back in September, I wrote about an offer from Bank of America and Alaska Airlines Credit Card.

The offer gave me a $15 gift card to my choice of store, if I used my credit card to pay for a monthly reoccurring bill. To complete the offer, I paid a portion of my cell phone bill in October. However, I forgot about the offer until earlier this week, when this letter arrived:

The letter contained an awkward letter and my $15 Starbuck's gift cards:

Here is a copy of the letter:

The letter is awkward for two reasons:

   1) Its not personalized. In the age of mail merge, your can do this easily

   2) The second paragraph is not appropriate. This letter should be a simply thank you, nothing
        else.

Overall, thank you Bank of America for keeping your promise!


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Interesting Offer From Southwest

Southwest sent me an email with an interesting offer:

Oh, great Southwest is offering me 500 Rapid Reward Points. What do I need to do?

Wait, this is a two step process to earn 500 points?

First, I need to spend $75 at the Rapid Rewards Shopping Portal by November 28, 2013. If I do this,     I will earn 250 bonus points.

Then, I need to file by 2013 taxes with TurboTax via the same Shopping Portal to earn the
    other 250 bonus points.

    Way to much for 500 points.

    Ummmm.....no thanks!

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