Anyone have this experience? I received a Venture X card with the $300 annual travel on 1/25/22. I put 25k a month on Capital One cards. I was planning on using that credit now. (Had it in my calendar. ) They are refusing to honor since they said that it goes by when annual fee generates, which was on Jan 2, 2023 (almost a month PRIOR to anniversary date.) Seems impossible that an “annual” credit can be valid for only eleven months. Can I somehow dispute that? Really bothering me, as I had no idea about this. I got nowhere on the phone with them. Very frustrated.