I opened up a southwest card in April, after closing a different one on in Dec 2013. My bonus points have not posted. To avoid rocking the boat, I decided to wait for another statement to close before contacting Chase. I just realized what may be the issue. When calculating the amount spent on the card, I added the statement balance on each month. The 1st month included a $99 annual fee. I suspect that does not count towards the $2000 threshold. Because I closed my previos SW account only 4 months before opening this one, I'm a little nervous about calling Chase about this issue. Would SM be a better option? Any advice?