Give Your Credit Card “Junk Mail” a Chance

It goes without saying that, for security reasons, you should never throw away any regular mail you receive from your credit card company without opening it – you do not want PIN numbers or new credit cards on your name going straight to the dumpster where someone can find them.  But sometimes you might even find a useful announcement inside those envelopes.  As I wrote a while back, Discover at least once notified its customers through mail that it would be giving 5% cash back on restaurants for a month.  If you did not open that letter, you probably would only have found out about it if you diligently visit your online account.

For the same reason, emails are worth a glance.  Not only do credit card companies usually send “online alerts,” such as a notification of a new statement or a payment reminder, but they can also offer some exclusive customer deals.  In September, for example, my Citibank/ AAdvantage credit card was offering bonus miles and an extra package of channels on DirecTV for customers buying the NFL Sunday Ticket; and in October customers can get 2,500 miles for joining Netflix, a better deal than just going through AA.com, which gives just 1,500 miles (and in the webpage sent to credit card members, it is unclear whether you actually have to use your Citi/AA card to take advantage of the offer).  Besides miles offers, though, every month I also receive some potentially useful coupons for the same credit card – the latest ones include 20% off at Ann Taylor, 15% off at Charles Tyrwhitt, and $10 off a $40 purchase at Origins (the latter is valid until 10/31/2009 – just use your Citi/AAdvantage card and coupon code CITIAAOCT).

And not treating your credit card emails as spam does not have to mean having your inbox clogged – many people have a “junk mail” email they check periodically.  Alternatively, if you have Gmail, you can filter your credit card emails so that they bypass your Inbox and go straight to a “credit cards” or “junk mail” folder, which you can check every month (settings > filters > create new filter, and click “Skip the Inbox”).  And regardless of how choose to arrange your email so that you get around to the offers, you may come to find that not everything you get from your credit card company is bad news.

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2 Responses

  1. Rather good entry, really enlightening stuff. Never believed I would obtain the tips I want in this article. I have been looking all around the net for a while now and was starting to get irritated. Fortunately, I stumbled onto your blog and received exactly what I had been looking for.

  2. I found your blog on google and read a few of your other posts.
    You have a great Blog!!! I just added you to my Google News Reader.
    Look forward to reading more from you in the future.

    Next month I will married, can you tell me where I can get a loan to buy a good diamond ring?

    Keep up the good work.

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