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Hey guys,
after being denied the CapOne Aspire Cash World and not wanting to wait the 45 days to get the Platinum, I think I am going to apply for the MBNA Smart Cash. Good payback options, ok Insurance, and I hear they are way more flexiable in terms of upping credit limits, etc than CapOne.
My question is, how easy or hard is it to upgrade to the World version to take off that $1250 cap? I pay my bills off every 2 weeks, have 3 current cards with high limits, $5000 and up, and have a mortgage, so my credit is good.
Any help would be appriciated, thanks.
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Dec 13th, 2012 10:26 AM #1
Is it easy to upgrade to the MBNA Smart Cash World?
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Dec 13th, 2012 10:31 AM #2
yes i have two. just go to online page and say you make 75k. wait a week or so and then you should be able to see the online upgrade in the special offer page.
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Dec 13th, 2012 10:32 AM #3
no credit limit changes will be made though.
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Dec 13th, 2012 10:32 AM #4
You need a personal income of $60,000+ or total household income of $100,000+ ...or to just tell them that's your income... :P
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Dec 13th, 2012 10:40 AM #5
see I did that with the CapOne card and got denied, I dont think I want to risk being denied again. Do you think it would work of I used the card for a few months, establish a relationship, and then call in and asked for the upgrade?
How if MBNA with offering good limits? I dont want a $1000 limit or anything that low Reply With Quote
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Dec 13th, 2012 04:25 PM #6
Hi Guys! I've had my smart cash (the regular one) for almost a year. The world card benefits seem really attractive. But I am a student now and it doesn't seem possible for a student to earn like 60K 75K... Is there any other way to get upgraded? Thanks!
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Dec 13th, 2012 05:34 PM #7
As per angel_wing0's awesome thread, "It is possible to upgrade to the World Version right now for no annual fee if you have $60,000 income, $100,000 household income, or $15,000 annual spending."
I believe you need to satisfy one of those 3 conditions, although hasn't the 15k annual spend been increased to 20k (or soon to)? Thought I saw that somewhere. Reply With Quote
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Dec 13th, 2012 05:40 PM #8Deal Fanatic
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It used to be 20K, and for the past few months has been reduced to 15K.
Originally Posted by tanny
djino_______________
This is a short story about four people named Everybody, Somebody, Anybody, and Nobody. There was an important job to be done and Everybody was sure that Somebody would do it. Anybody could have done it, but Nobody did it. Somebody got angry about this, because it was Everybody's job. Everybody thought Anybody could do it, but Nobody realized that Everybody wouldn't do it. It ended up that Everybody blamed Somebody when Nobody did what Anybody could have done.
Which Person are YOU!!! Reply With Quote
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Dec 13th, 2012 05:46 PM #9
So I guess I can upgrade to the world whenever I hit that $15000 limit?
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Dec 13th, 2012 05:52 PM #10Deal Fanatic
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YMMV. Their system should automatically calculate your spending on the card over a years time and then provide you an upgrade offer within your rewards tab on the MBNA account online. Originally Posted by doublec21
djino_______________
This is a short story about four people named Everybody, Somebody, Anybody, and Nobody. There was an important job to be done and Everybody was sure that Somebody would do it. Anybody could have done it, but Nobody did it. Somebody got angry about this, because it was Everybody's job. Everybody thought Anybody could do it, but Nobody realized that Everybody wouldn't do it. It ended up that Everybody blamed Somebody when Nobody did what Anybody could have done.
Which Person are YOU!!! Reply With Quote
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Dec 13th, 2012 05:59 PM #11
i've been using SC plat card for about 1.5 years now (1000~1500/mth on avg) but never got the offer until i realized I didn't correct the personal income/house income in my profile. It's been about 3 weeks since I corrected my income amount and I just got the offer to upgrade to the world version. I initially put it lower than 60K because I wanted to take advantage of the 5% for 6mth offer twice(plat and world).
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Dec 13th, 2012 06:02 PM #12
Im going to have to hope for the upgrade through the $15000 as I make under $60000 personally.
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Dec 13th, 2012 09:05 PM #13
Phoned. Asked for upgrade. got in on the spot. No questions asked about my current income or whatever, however I have been with them since 2008.
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Dec 14th, 2012 01:26 AM #14I called them earlier and spoke to one of the reps. They changed my income level/total household income on my profile and told me to wait until the billing period (Dec.27th) for a result. Originally Posted by komodor
Should I call in within two weeks for a status update or just wait for the rewards/special offer page to hopefully reveal the upgrade?_______________
If you want to save 20% at www.blackmarkers.ca , send me a PM! Reply With Quote
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Dec 14th, 2012 02:13 AM #15just check the rewards page when you log into mbna site. Originally Posted by nDoubleu
komodor probably got the upgrade right away because he most likely had the offer made to him already.
i got my offer about 3 weeks after i changed my income level (i kept on checking the website). Reply With Quote
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