I know there are many, many examples of credit card problems. This one is minor really. I'm just annoyed with myself for forgetting the rules!
I had a Southwest Rapids Rewards credit card that I opened for 55,000 bonus points. I did receive them after spending $2000. I redeemed the first $350 worth of gift cards right away. I was undecided about the rest, so I left the points. However, I proceeded to cancel the card to get the annual fee of $99 refunded. That did happened with no issues.
The problem is I can't get to my rewards, although I can log on, and redeem them without being a card member! Ack. Why did I forget that piece of information?
I have plans to apply for their lower grade card which has a $69 fee when the next promotion comes out, so this is not a total loss. I will make sure to redeem in full before I cancel again.
I was going to redeem 20,000 points for $200 worth of Lowe's gift cards...so we can start looking a refrigerators. This may just be the sign that we need to wait on that purchase.
Don't play with credit cards if you want simple and easy. They aren't simple and easy! It does take tracking and understanding of the rules!
Anyone know when the next Southwest Rapids Rewards offer might come out? I do have quite a few things I could charge.
Example of How Credit Cards Get Complicated
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