Reply
Regular Contributor
Posts: 142
Registered: ‎05-16-2013
0

spent $716 on my BCE - First Statement cut...says 0 reward dollars

Does anyone know how they apply the rewards? Some of the $716 was spent at the grocery store so I know that should be Cash Back at 3%....I know my cash back isn't huge, but I know I should have earned something.  Am I missing something?

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars

Amex cash back posts one statement behind - you'll see the cash back from this current statement on the next statement. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Established Contributor
Posts: 994
Registered: ‎07-16-2010
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars

Maybe there is a little delay...? I think mine has been a bit delayed before on my Green Card...cant be positive though because i dont pay much  attention. ;-(

$1200 $1250 $4250 NPSL $5300 $1350 $3000

$6050 $5000 $10500 $2416 $6500 $3000
Regular Contributor
Posts: 142
Registered: ‎05-16-2013
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars


parakleet wrote:

Amex cash back posts one statement behind - you'll see the cash back from this current statement on the next statement. 


Thanks-that helps.  I was starting to think I was using the card and wasn't benefiting from the rewards, which is why I wanted the card.

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Frequent Contributor
Posts: 389
Registered: ‎05-23-2012
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars

The delay is a bit irritating (to me anyway), but you'll definitely see the statement credit.  No worries.

Regular Contributor
Posts: 142
Registered: ‎05-16-2013
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars


koalablue wrote:

The delay is a bit irritating (to me anyway), but you'll definitely see the statement credit.  No worries.


I'm just planning on saving it up, but it's irritating to me too.  They want their money before the statment cuts and they don't provide the actual rewards until a whole month after....seems a little unfair but it is what it is. Smiley Happy

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars


jlfce1 wrote:

koalablue wrote:

The delay is a bit irritating (to me anyway), but you'll definitely see the statement credit.  No worries.


I'm just planning on saving it up, but it's irritating to me too.  They want their money before the statment cuts and they don't provide the actual rewards until a whole month after....seems a little unfair but it is what it is. Smiley Happy


something new? 

my unicorn points post a month after as well. it is an annoyance but not like i can really use them for anything.... 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor
Posts: 142
Registered: ‎05-16-2013
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars


creditnocash wrote:

jlfce1 wrote:

koalablue wrote:

The delay is a bit irritating (to me anyway), but you'll definitely see the statement credit.  No worries.


I'm just planning on saving it up, but it's irritating to me too.  They want their money before the statment cuts and they don't provide the actual rewards until a whole month after....seems a little unfair but it is what it is. Smiley Happy


something new? 

my unicorn points post a month after as well. it is an annoyance but not like i can really use them for anything.... 


I guess I should clarify...from all the reading a lot of people have suggested paying before the statment cuts for best results of the CLI's, etc.  Also, from what I've read, if you don't, since apparently they report to the CRA one statement behind, you could be showing a balance on your CR longer then intended.  I've concluded  (from all the reading) that 0% APR offer or not, they prefer their stuff to be paid in full, monthly.  I kind of expect the same with the rewards, but looks like I won't win this one. 

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Community Leader
Senior Contributor
Posts: 27,463
Registered: ‎02-07-2013
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars

That's the only thing about Amex points system that's irritating ...Points don't show up until the following monthSmiley Mad

+ Chase ink =




Valued Contributor
Posts: 1,997
Registered: ‎01-24-2012
0

Re: spent $716 on my BCE - First Statement cut...says 0 reward dollars


jlfce1 wrote:


I guess I should clarify...from all the reading a lot of people have suggested paying before the statment cuts for best results of the CLI's, etc.  Also, from what I've read, if you don't, since apparently they report to the CRA one statement behind, you could be showing a balance on your CR longer then intended.  I've concluded  (from all the reading) that 0% APR offer or not, they prefer their stuff to be paid in full, monthly.  I kind of expect the same with the rewards, but looks like I won't win this one. 


I've never seen them report one statement behind for any of the cards I have with them. Paying before the statement closes and before the due date are two different things. They want the money on or before the due date, just like every other lender. The majority of people definitely do not pay before the statement closes. I also think the time for rewards to post is too slow. PNC, Barclays, and Bank of America post a few days after the charge posts. Most likely AmericAN Express waits until after the due date because that is when most people would expect it.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.