I thought the experience on this forum was that having a large $ amount in no way translates to a good offer, whether by phone in or by the promo lottery.
Think about it - when they are paying a well above-average return, would their preference be to have 5 loyal customers with $100K each or 1 client with $500K?
We don't know what the criteria are, or if it randomly changes by time of day and what authorization your CSR or the person they speak to in the back has, but more likely it involves:
- your age bracket and probability of being a long-term client
- whether you have most of their other banking products or are a good candidate for them
- the casual assessment of the CSR of the least it would take to make you happy
- some algorithm that uses your banking activity with them to see how well it meets their target profile of an ideal client