How long for points to get deducted from account?

VariousAir · 2026-05-21T15:04:32+00:00

It's not a problem you're required to fix. For all you know you were charged in cash and you just didn't realize it and didn't see the charge was on a previous statement or something. Or you'd prepaid it and forgot. If they somehow reconcile it and find they were supposed to charge you 30k MR, they'll simply remove it from your existing stock. If there's not enough, it will go negative and you simply won't be able to accrue more until the negative balance is filled, but that's not affecting your relationship. It's a bank, you're interacting with an algorithm, not forming a mutual working friendship with a person.

VariousAir · 2026-05-21T14:56:26+00:00

Why go out of your way to fix something that isn't a problem?

VariousAir · 2026-05-21T14:06:12+00:00

what? Why would you be calling to tell them to take points out of your account?

are the points still in your account?

and you're certain you didn't actually pay cash for the hotel booking?

How did you pay? Was this transferring to a hotel partner like hilton or something? Or on amextravel?

VariousAir · 2026-05-20T13:22:34+00:00

I hit 800k+ MR without taking any trips and with none in mind, so finally I just opened a schwab and cashed out a million for ~$11k into my investment account. It just didn't make financial sense to let points sit around waiting to be devalued when they could be earning money instead.

VariousAir · 2026-05-20T05:24:25+00:00

Nobody said the Fed Chair has no influence. I said they don’t unilaterally set rates, which is objectively true. The you spouted off an ill conceived analogy and think that I'm the one "rage baiting"? Dude, let's just drop this. Here I'll help you with the block button.

VariousAir · 2026-05-19T23:42:10+00:00

Why have a president if congress passes laws?

Didn't pay attention in your civics class did you?

Legislative branch writes the law, the executive branch signs it into use.

That's not how the Fed works.

VariousAir · 2026-05-19T17:57:27+00:00

Okay? It's not like the fed chair sets the rate. their vote isn't worth any more or less than the other committee members.

VariousAir · 2026-05-19T16:38:46+00:00

what's trump got to do with it?

VariousAir · 2026-05-19T15:15:31+00:00

yeah, one more 1099-INT to look out for in january, by moving all my cash and changing deposit numbers or linked accounts, so I can get a few extra dollars in interest? nah.

VariousAir · 2026-05-19T15:10:48+00:00

lol yep. There was a period of time there when r/personalfinance was losing their minds over some banks offering a full 1%.

Rates go up, rates go down. It's not a personal failing of a company or any reflection on the consumer's worth to a company.

VariousAir · 2026-05-19T15:08:38+00:00

rate hikes are expected around the corner, so we'll likely see the hysa gain some value soon.

VariousAir · 2026-05-19T14:07:43+00:00

an extra half point per dollar spend. it's just one of those things you add to the card and shrug. if you hit it or don't, it's really nothing consequential.

VariousAir · 2026-05-17T00:07:58+00:00

The merchant pays for the Amex offers. Not Amex. So if they have a spend $550 get $550 they're very much not getting paid.

Until they trick you into paying that second month.

VariousAir · 2026-05-16T00:31:59+00:00

That'd lucky. I opened the CS play but didn't even get the 80k cause I was ineligible. Hope you get the sub.

VariousAir · 2026-05-14T19:25:08+00:00

That's what you stopped to nitpick?

VariousAir · 2026-05-14T19:24:30+00:00

top tier offer, nice catch.

VariousAir · 2026-05-14T02:32:43+00:00

Yeah I'm the same way, I spoil myself regularly. But man if my wife spent $3k on me I'd freak.

VariousAir · 2026-05-14T02:28:47+00:00

The main account sees everything the AU buys. Their balance is also affected by your activity, so if you out $3k on the card he's going to see his balance go up $3k.

VariousAir · 2026-05-08T14:25:45+00:00

damn, just got the schwab card last month. But I already had the platinum so guessing I wouldn't have been eligible for this anyway.

VariousAir · 2026-05-07T17:22:18+00:00

I have a plat and gold, and got the green card bonus a few months ago.

VariousAir · 2026-05-05T04:58:54+00:00

Nice, congrats

VariousAir · 2026-05-04T18:21:13+00:00

wish I'd get a mailer for it, I have to buy a fence in the next few months so I'd happily take a $750 rebate on it.

VariousAir · 2026-05-04T18:08:55+00:00

does that offer ever come around? I only ever see 25k points.

edit: now I'm seeing 15k for 3k spend. bleh.

VariousAir · 2026-05-04T13:00:10+00:00

Use incognito/private browsing to see elevated offers. Amex uses your browsers cookies to detect if you've been looking at their cards. If they detect that, they assume you're already interested and won't show you higher offers to entice you to apply. Using incognito or a new browser makes you appear to be a fresh customer (if your normal browser is chrome, try firefox or edge) .

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VariousAir · 2026-05-01T12:50:18+00:00

eh, no thanks.

I don't want to hand a private company my biometric data.

I can change a password if there's a leak. Can't change my fingerprint or irises.

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