Over my forty years or so in and around dealing rooms and financial markets, I have heard many theories as to how to approach that problem and have settled on a process that has worked for me ...

To qualify, an account must be in good standing and have a positive balance ... including opting in for paperless statements and meeting some spending and deposit requirements.

The unfortunate answer is that, in most cases, the points you earned on the purchase will be deducted from your credit card points balance on your next statement ... as a negative points balance on ...