Editor’s note: This is a transcript of the audio file.

You may not think of social media as a place for managing your money.

But you could be missing out on perks if you’re not connecting with your credit card company on Facebook and Twitter. I’m Janet Stauble with the Bankrate.com Personal Finance Minute.

During fall fashion week, American Express offered cardholders a $100 statement credit when they spent $500 or more at online fashion retailer Net-a-porter.com. Cardholders could only unlock the offer through the link, like, love Facebook app, which offers customers discounts based on their likes and social connections.

In October, Discover tweeted trivia questions, and the first five people to tweet the right answer won Six Flags tickets.

Card companies aren’t just padding their customers’ pocketbooks for incentives. They’re also getting their communities involved in philanthropy.

Chase opened up its Facebook page for voting so its fans could choose the five charities that will share a two million dollar donation from chase.

And customers can rely on social networks to get a quick reply if they’re confused or disgruntled. Bank of America, American Express, Capital One and Citibank have Twitter accounts dedicated to customer service.

Want to learn more? Log onto Bankrate.com. I’m Janet Stauble.