Author Topic: Issuer credited points by mistake  (Read 991 times)

Offline yosef789

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Issuer credited points by mistake
« on: December 01, 2018, 10:21:46 PM »
Hello all,

I recieved a six digit point bonus for a certain purchase made on one of my credit cards. I cannot see any reason for this other than it being an error by the issuer.

Is there a possibility that the issuer will realize it and take it back? what is by best course of action? should I transfer them out? leave it there?

I will appreciate all insight.

Thank you!


Offline as2

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Re: Issuer credited points by mistake
« Reply #1 on: December 01, 2018, 10:23:59 PM »
Which issuer? IMO it will most likely be clawed back (depending on issuer) but you never know. Are you 100% positive you didn't qualify for something somehow to get those points?
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Offline yosef789

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Re: Issuer credited points by mistake
« Reply #2 on: December 01, 2018, 10:31:10 PM »
I cannot think of any way I should have qualified to get this amount of points for any transaction. I got it on a charge below $500.00.

If they decide to clawbeck, what would happen if I already transfered out the points?

Offline as2

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Re: Issuer credited points by mistake
« Reply #3 on: December 01, 2018, 10:37:33 PM »
I cannot think of any way I should have qualified to get this amount of points for any transaction. I got it on a charge below $500.00.

If they decide to clawbeck, what would happen if I already transfered out the points?
Which point currency was this? I don't have experience with this, but I'd bet they can place a negative balance on your points account, or possibly add a negative $ balance for the points, but that depends on many variables. I recall a story where someone had their checking account showing significantly more than they had, and they spent a lot of it. I believe they were held accountable because they obviously knew that it was a mistake. Not the same here, but you never know.
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Offline yosef789

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Re: Issuer credited points by mistake
« Reply #4 on: December 01, 2018, 10:46:09 PM »
MR.

Looking to hear from anyone that had or is aware of someone that had such or a similar experience.

Offline Z56

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Re: Issuer credited points by mistake
« Reply #5 on: December 01, 2018, 11:08:31 PM »
I cannot think of any way I should have qualified to get this amount of points for any transaction. I got it on a charge below $500.00.

If they decide to clawbeck, what would happen if I already transfered out the points?

Would love to hear anyone experience on this as well
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Online ludmila

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Re: Issuer credited points by mistake
« Reply #6 on: December 01, 2018, 11:37:06 PM »
Happened to a friend a few years ago with Amex. He transferred to an airline partner, Amex clawed back a few weeks later , ended with a negative balance. He was given 2 options, pay for the points or earn the 90000 MR points within 3 months.  He did earn the 90000 in 3 months, ran all his business bills combined with some MS.
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Offline oldguy

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Re: Issuer credited points by mistake
« Reply #7 on: December 01, 2018, 11:45:46 PM »
It all depends how the mistake happened. I didn't have it with points, I had it with statement credits, when a few years ago, when I upgraded at the end of the year my BGR to get the airline credits, all of my additionals (30-40) were upgraded along, when I called to downgrade again I got instantly the AF on the Au's back, then at the end of the month I got them again, ended up with a credit of $6K+! BH neve got clawed back!

Offline MrKaplan

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Re: Issuer credited points by mistake
« Reply #8 on: December 01, 2018, 11:49:28 PM »
It all depends how the mistake happened. I didn't have it with points, I had it with statement credits, when a few years ago, when I upgraded at the end of the year my BGR to get the airline credits, all of my additionals (30-40) were upgraded along, when I called to downgrade again I got instantly the AF on the Au's back, then at the end of the month I got them again, ended up with a credit of $6K+! BH neve got clawed back!
Nice!

Offline yosef789

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Re: Issuer credited points by mistake
« Reply #9 on: December 02, 2018, 12:14:52 AM »
Happened to a friend a few years ago with Amex. He transferred to an airline partner, Amex clawed back a few weeks later , ended with a negative balance. He was given 2 options, pay for the points or earn the 90000 MR points within 3 months.  He did earn the 90000 in 3 months, ran all his business bills combined with some MS.

Thanks for sharing.

According to what you are sharing, my best chances are probably not to spend or transfer the points out.

Offline yosef789

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Re: Issuer credited points by mistake
« Reply #10 on: December 02, 2018, 12:16:38 AM »
It all depends how the mistake happened. I didn't have it with points, I had it with statement credits, when a few years ago, when I upgraded at the end of the year my BGR to get the airline credits, all of my additionals (30-40) were upgraded along, when I called to downgrade again I got instantly the AF on the Au's back, then at the end of the month I got them again, ended up with a credit of $6K+! BH neve got clawed back!

That's nice. Thanks for sharing.

How long did it take you to decide that it will not anymore be clawed back and you could thus spend it?

Offline oldguy

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Re: Issuer credited points by mistake
« Reply #11 on: December 02, 2018, 12:35:25 AM »
That's nice. Thanks for sharing.

How long did it take you to decide that it will not anymore be clawed back and you could thus spend it?
I don't remember. the story happened more than 5 years ago

Online ludmila

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Re: Issuer credited points by mistake
« Reply #12 on: December 02, 2018, 12:38:07 AM »
That's nice. Thanks for sharing.

How long did it take you to decide that it will not anymore be clawed back and you could thus spend it?
I think it is best to leave the points sitting there for a while, if they claw back then you did not lose a thing, if nothing happens then you can always use them .
I was the Best,still the Best, and will always be the Best.
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Offline ckmk47

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Re: Issuer credited points by mistake
« Reply #13 on: December 02, 2018, 12:54:28 AM »
yosef789,
Did you do anything with this MR -not AMEX-  account?  Could they have combined pts you already owned and listed the combined balance here?

Offline as2

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Re: Issuer credited points by mistake
« Reply #14 on: December 02, 2018, 01:22:01 AM »
Thanks for sharing.

According to what you are sharing, my best chances are probably not to spend or transfer the points out.
Seems like a good plan. If you use them in 6 months or a year, they can't fault you for not realizing they screwed up a while ago.
Memories last forever, make them while you can.