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Freedom vs CSP for restaurant spend on 3/31

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red259
Super Contributor

Freedom vs CSP for restaurant spend on 3/31

So here is the thing. The next quarter has restaurants as bonus spend. If I use the freedom card tomorrow for lunch the charge will not clear until the next quarter. Will I get the bonus points based on when the charge clears or will I only got 1 point per dollar based on the actual transaction date even though it clears the following quarter?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
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4 REPLIES 4
vpae
Established Contributor

Re: Freedom vs CSP for restaurant spend on 3/31


@red259 wrote:

So here is the thing. The next quarter has restaurants as bonus spend. If I use the freedom card tomorrow for lunch the charge will not clear until the next quarter. Will I get the bonus points based on when the charge clears or will I only got 1 point per dollar based on the actual transaction date even though it clears the following quarter?


Most of my dining charges I put through my CSP on "first friday" doesn't clear until a day or two later but I still get credit for swiping the card that day.

 

I think there were two times where the merchant lagged and didn't charge my card or something else happened that pushed it into the next day, and I lost my 3 points vs 2 points.

 

So for tomorrow, if I had to guess, I imagine it's still CSP over Freedom. If anything, just send chase a SM and see what happens. Thinking back, I should have done it for mine. Oh well, next time.

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 2 of 5
red259
Super Contributor

Re: Freedom vs CSP for restaurant spend on 3/31

Good point on the CSP friday spend. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 5
noobody
Established Contributor

Re: Freedom vs CSP for restaurant spend on 3/31

i remmber i called about about this before, they said it goes by POST date, so you would get freedom bonus, but in fact when i charge gas on my freedom card at end of bonus quarter, it always gives me points even it POST at the beginning of the next month, so i am not totally sure.

 

if points is missing either way a quick SM will solve this, chase CS is excellent!

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 4 of 5
bch238
Regular Contributor

Re: Freedom vs CSP for restaurant spend on 3/31

At least in my experience, for 3x Fridays, I consistently receive points tagged to the transaction date.  Charges have hung out as "pending" for several days before posting, and I've always gotten 3x points.

FICO Scores (MARCH 2016): EQ 829; EX 825; TU 828
AmEx BCP $25,000; AmEx Platinum (NPSL); Barclaycard JetBlue Rewards $5,000; Bank of America Cash Rewards $27,500; Chase Sapphire Preferred $33,700; Chase Marriott Rewards Premier $15,000; Chase Freedom $12,000; Citi Prestige $30,500; Virgin America Premium $25,000; The Home Depot Card $20,500; Capital One Platinum $15,000
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