Affinity CU SUB Question

[justjac2]

Back in May, I was approved for the Affinity Cash Rewards VISA. It came with a $200 SUB (20K points) for $3000 spend in the first 90 days. I spent over $3100 in that timeframe but nothing happened. I contacted them to ask when I would receive the points, and received a response almost two weeks later that I didn't meet the spend and wouldn't receive the bonus. I double and triple-checked and I did. So now I'm waiting for them to respond again. Has anyone else had problems getting their points? 

[CL-Addiq]

I can confirm I received my 20k points after spending approximately $3,020 dollars in about 68 days. The points were paid out 15 days after the end of the billing period.

You're sure all your transactions posted within 90 days of when your card was issued?

[justjac2]

@CL-Addiq thanks for your response. I'd tracked my purchases as I made them so knew I was good. After their response, I calculated again using a spreadsheet, and verified with each statement.  I'm really confused about what they're seeing.   I thought maybe the Amazon purchases don't count, so I went through the papers that came with the card and don't see any exclusions. The account was opened on May 18th.

Opened
Post Date	Trans Date		Vendor	Amount		SUB Progress
25-May	25-May		Nail Spa	130
25-May	25-May		American Consumer Council	8
25-May	25-May		Kaiser Permanente	8.22
29-May	28-May		Kroger	95.04
29-May	28-May		Walmart	68.29
				309.55	May stmt	309.55
1-Jun	31-May		AT&T	223.43
2-Jun	1-Jun		Nuts.com	64.8
5-Jun	4-Jun		Kroger	79.59
8-Jun	6-Jun		Petco	66.44
12-Jun	11-Jun		Kroger	76.34
12-Jun	11-Jun		Kroger Fuel	57
13-Jun	11-Jun		Publix	30.17
19-Jun	18-Jun		State Farm	270.76
22-Jun	21-Jun		Vetsource	258.3
				1126.83	June stmt	1436.38
3-Jul	2-Jul		Target	53.3
3-Jul	2-Jul		Belk	70.6
3-Jul	2-Jul		Kohl's	54.59
5-Jul	2-Jul		Rack Room	58.29
5-Jul	3-Jul		Target	66.47
5-Jul	3-Jul		Target return	-32.39
5-Jul	3-Jul		ATT	223.43
5-Jul	4-Jul		Home Depot	25.11
5-Jul	4-Jul		Regal Nails	88
6-Jul	5-Jul		Kohl's	41.92
20-Jul	19-Jul		State Farm	270.76
26-Jul	24-Jul		Kroger	68.53
26-Jul	25-Jul		ATT	265.08
27-Jul	27-Jul		Allianz Insurance	109
			$1,395.08	1362.69	July stmt	2799.07
5-Aug	4-Aug		Acura Carland	199.67
7-Aug	6-Aug		Amazon	120.14
8-Aug	7-Aug		Amazon	47.68
				367.49	Aug stmt	3166.56

[LawStudentCivilis]

How did you communicate with them? They usually have excellent service. If you did not contact them by phone, then I recommend you give them a call.

[CL-Addiq]

Definitely seems to me that you're eligible. The only other idea I have would be are you sure it wasn't actually paid out? The points show up in your separate rewards account and not an automatic statement credit or savings deposit.

[Who_wuda_thought]

@justjac2 

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@justjac2 wrote:

Back in May, I was approved for the Affinity Cash Rewards VISA. It came with a $200 SUB (20K points) for $3000 spend in the first 90 days. I spent over $3100 in that timeframe but nothing happened. I contacted them to ask when I would receive the points, and received a response almost two weeks later that I didn't meet the spend and wouldn't receive the bonus. I double and triple-checked and I did. So now I'm waiting for them to respond again. Has anyone else had problems getting their points? 

---

Did you hear back from them?  I was wondering if maybe the actual original application "approval date" (which starts the SUB 90-day period) was perhaps earlier in May (or even late April), and card issuance/receipt was delayed a bit?

ETA - Also, it could be that Affinity disqualified one or more of your purchases, thus not counting toward SUB.  Purchases of giftcards and the like can sometimes cause problems.

[TheRedHat]

You have two transactions with ATT in the same month. You didn't use this card for any "manufactured spending," did you?

[justjac2]

Thanks for your comments/analysis. My cell phone bills are on autopay, but for some reason the June payment was delayed by about a week. The second July charge was on schedule.  None of this was manufactured spend, just regular stuff.  Also, I've been monitoring the separate awards account, and it's nowhere near 20K. His (her?) comment was specifically that I didn't meet the spend within 90 days so the points weren't awarded. I applied on May 13, but didn't get the docusign until the 19th. Even accounting for the six days, I still had plenty of room. I'm trying to give them  until Monday before I call.

[ptatohed]

Did you make any returns that perhaps you forgot about?  

[justjac2]

Nope, just the one return that was accounted for. I compared my numbers with the statements, and everything adds up. If they excluded something, they could at least have told me what that was, but there's nothing there (no gift cards or cash equivalents). I'm going to call them on Monday. This doesn't make sense.