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Is this a business account? FIND OUT IF BUSINESS 500 or 200? YES Ask "Do you accept credit cards at your business?" YES Ask "Do you know that BB&T offers this service?" NO "We have a promotion right now where you can get credit ($500 or $200) if you switch with us or open this account with us"   NO NO Ask them if they need a credit card? Complete transaction and tell them to have a nice day :)