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本帖最后由 MLUM 于 2014-2-28 12:42 编辑
身边有朋友拿到BOA的Better Balance Rewards信用卡每月均有消费,却没有获得季度奖励。
查了一些英文论坛,大家说法也不太一样。想跟大家讨论一下究竟应该如何顺利拿到奖励。
以下是官网terms原文:
BankAmericard® Better Balance Rewards™ Program Information.
You will earn a $25 cash reward for each calendar quarter in which all of your monthly payments are received on or before the due date and are more than the minimum payment due. Your account must remain open and you must have a payment due in each of the monthly cycles of the calendar quarter to be eligible for the quarterly cash reward; a zero balance or a credit balance does not qualify.
如果已经拥有BOA的checking、savings或投资账户,还可以每季度额外多收$5bonus,就是每季度$30.
奖励入账的terms
If you qualify, the cash reward will be issued within 30 days following the end of each quarter. Your cash rewards will be automatically issued in the form of a statement credit to your card account, unless you indicate otherwise. You may choose instead to have your cash rewards deposited directly into a Bank of America® checking account or savings account or a Merrill Lynch Cash Management Account®.
所以最低限度是每个月必须刷一笔,账面不能为零或盈余,还款时间为due day之前或当天,还款额度至少达到最低还款要求。
我去年年底把一张BOA123转成了BBR卡,还没有消费的时候就直接进账$30 credit,不知道算不算是系统bug。现在一月底刷了一笔,二月才posted,今天刷了一笔,不知道哪天能posted,并且账面还有$20+的credit balance,这样的话是不是第一季度的bonus就没戏了?
那笔$30的credit balance我有在二月初转到checking account里,但是账面上还是继续显示有盈余,就完全搞不清楚状况了。
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