February 10th, 2013
Secure messaging (or SM for short) is incredible. It’s a time saver and it works miracles.
Some examples of what you can do:
-Have an application reconsidered.
This was a new one for me, but a DDF member related that they sent a SM to Chase and got a Sapphire Preferred card approved by offering to move over part of the credit line from their United Explorer card.
You can also employ the strategies I wrote about in this Reconsideration post when writing a SM to be reconsidered. Explain why you want the card for its benefits (for United to get free bags and primary car rental insurance, etc) and if you are willing to move over part or all of the credit from another card to get the new card approved.
-Cancel a card.
First of all you really shouldn’t do this via SM. Rather than cancelling a card unilaterally you should apply for a new card (or multiple new cards) and work to get them approved by moving over part of or all of the credit line of the card you want to close anyway.
Also if you call to cancel a card you may be offered (or you can ask for) a retention bonus to keep the card open.
But if you are sure you just want to close down the card and don’t want to waste time fighting to close it you can just send a SM to ask that it be closed. Add that you simply don’t have the time to call in and would appreciate it if they can close it for you.
-Get credit for a promotion.
A few of my $25 Costco Link Like Love credits didn’t post automatically. I sent a SM and they manually posted them. Strangely enough a few months later they showed up automatically.
Many DDF’ers posted similar stories with Small Business Saturday as well.
-Request a waiver for a late fee and interest.
If you miss a payment once and get hit with a late fee and interest you can ask via SM that it be waived as a courtesy. Don’t forget to also request that interest on the next bill be suppressed as well.
-Have pending points posted.
Most cards post the points together with the statement. On AMEX charge cards they’re only posted after you have paid your bill. Once you pay your bill you can SM to have your points posted right away instead of having to wait for them.
You can also ask AMEX to allow you to borrow Membership Rewards or Starpoints which you will have 12 months to pay back through purchases or signup bonuses.
-Match a bonus.
While this no longer works with AMEX, people have been able to match some bonus offers with Chase and Citi. Can’t hurt to ask!
-Receive a refund of a credit balance.
Pretty straightforward. Just SM to get a check sent out to you for a credit balance left on your account. You can even request that the credit balance be sent to your checking account via ACH.
What else do you SM for?