We had met our spending requirement for the Southwest credit card a few weeks ago. I had just paid the entire thing off, too. I was waiting for statement to close, points to be awarded (and then redeemed), and then close the account.
My husband had charged two nights at a hotel to the Southwest card. All good until a coworker realized he was charged for extra rooms. A phone call to the hotel to confirm the entire groups charges. My husband could not confirm the charge for his room was on the right card because he no longer had it in his wallet. So they reversed the charge on the Southwest card and he had it charged to our Wells Fargo Amex.
He was trying to do the right thing, but it really was all okay. He didn't need to do anything. After the charge is reversed we are short by $95 of meeting the requirement. I charged $5 yesterday at Walmart, and signed my daughter up for the ACT exam in September for a charge of $38, so I need to spend another $52 before the statement closes in about a week. It should be no problem as I know I need gas for my van and we need to purchase rock for our landscaping.
I was thinking I could charge these, make the payment for the new charges and request a refund of the hotel charge in full which is over $200. But I realized the card likely won't let me make a payment if I already have a negative balance. I just need to make the charges needed (with our regular spending) and then request the $100 plus that will remain as a credit balance. I may not be able to do this until the card is closed.
The hotel charge that is now on the other card will get paid with the credit balance received and our regular spending cash that I would have spent on the things we buy anyway, but charged to the card. Make sense?
A complication to the whole process, but it all works out in the end! I think my husband panics about charges sometimes. If he could have texted me while on the call with customer service I would have been able to verify that the card the hotel charged was correct. But he didn't do that. I'm not just mad, but I do need to keep track of where we are and get it all corrected.
Fun times with the credit card rewards!!
Southwest CC Complications...Sort of
July 17th, 2014 at 01:35 pm
July 17th, 2014 at 02:16 pm 1405606582
We had a similar situation when a hotel error caused us to go over limit way before billing date. That's when I learned that flight and hotel reservations while not actually 'charged' to CC places a 'reserve' or hold against the card affecting the limit. Since we had a series of international flights, hotels and meeting rooms booked on that Educational Tour it added up. It didn't help that I didn't know in advance what fees and taxes would be added. In some countries they waive tax on educational programs, in others they seem to make it up as they wish.
July 17th, 2014 at 03:17 pm 1405610258
July 17th, 2014 at 04:18 pm 1405613887
July 17th, 2014 at 04:23 pm 1405614181