Why would someone pay the AF when it is refunded with in 60 days?
Because you said you have 310k per ink card, which means you didn't consolidate the points. How many cards can you get and spend $50,000 within 60 days and cancel? $50,000 is very impressive for even more than 60 days. (I don't have any Walmart near me in Brooklyn, so ms is a pain with family dollar after redbird died.)