@RaeRae1226 wrote:
Does anyone know what could be causing this?
Comenity Bank. This is why a lot of people here won't get their cards.
It is not a glitch but rather the implementation that Comenity has chosen to offer - and one I dislike as well. One of the reasons their card of mine is likely going get cancelled at the 1 year mark is that I have decided their option for redeeming cash back doesn't work well enough for me to continue with them. They offer cash back as a statement credit - if and only when you have a balance due on your statement. I tend to pay all my cards when I get paid (every two weeks). As a result, I found I often had a statement balance of less than my cash back amount. I got tired of chasing how much to pay off so that I could redeem my cash back. In the end I found other cards that, although don't quite offer the 5% on groceries I was getting with AAA, are close enough for me to not miss it. Not that the US Bank Altitude Reserve is any kind of gem with their Real Time Rewards hoops, but I am doing that either way so just put my spend there.
The options for how a card allows cash back redemption is something I feel gets missed in most of the discussion on cards. One of the best for me has been Citi Custom Cash. I can redeem any amount to where I want it (external bank account, etc.) when I have a rewards balance. That is one reason I am likely to keep that card - high cash back but also easy/flexible redeption.
SQUAD: 
@RaeRae1226 wrote:
When was this implemented? I've seen my cash rewards in the app as recently as last week and I had a zero balance.I have other gas cards than my AAA Travel Advantage like BCP and Savor but those are only 3%. I'll see how this goes.
Also Citi laughs me off the phone. No idea why. In general I'm able to get approved for great cards. Eg Amex Gold, BCP, Chase Prime Visa, Savor, etc and have a Fico score of 715-720. They just won't pre approve me for anything. lol neither will Wells Fargo. In terms of Wells Fargo I'd say it's quite insulting and audacious 😂
I have seen it before but haven't used the card for more than 3 months so not sure really. Main point is it is not the best set up. Worth it for some for sure for the 5%, but not seeing it for me.
Odd on Citi (and WF). Too bad you can't get in with them.
@G2244 wrote:It is not a glitch but rather the implementation that Comenity has chosen to offer - and one I dislike as well. One of the reasons their card of mine is likely going get cancelled at the 1 year mark is that I have decided their option for redeeming cash back doesn't work well enough for me to continue with them. They offer cash back as a statement credit - if and only when you have a balance due on your statement. I tend to pay all my cards when I get paid (every two weeks). As a result, I found I often had a statement balance of less than my cash back amount. I got tired of chasing how much to pay off so that I could redeem my cash back. In the end I found other cards that, although don't quite offer the 5% on groceries I was getting with AAA, are close enough for me to not miss it. Not that the US Bank Altitude Reserve is any kind of gem with their Real Time Rewards hoops, but I am doing that either way so just put my spend there.
The options for how a card allows cash back redemption is something I feel gets missed in most of the discussion on cards. One of the best for me has been Citi Custom Cash. I can redeem any amount to where I want it (external bank account, etc.) when I have a rewards balance. That is one reason I am likely to keep that card - high cash back but also easy/flexible redeption.
I was at Golden Corral once and the grill guy asked the customer how he likes his steak and he answered 'On my plate'. I'm the same way with cash back. As long as it is true cash back at a full one cent per point, if the issuer asked me how I'd like my cash back, I'd say 'Yes, please'. 
