I called in 2 times. The first time the guy didn't sound like he wanted to be working and when I first asked he straight up said "We don't offer retention bonuses." I quickly got off the phone with him as he didn't seem helpful even when I pushed for more to check for offers on account. The second rep was very quick to check for me and gave me 3 options. 1) Lower APR 2) 10,000 points 3) product change. I took the 10,000 points. This is for the US Bank Altitude Reserve.