won't this work for existing cardholders with large mileage balances? say I buy a $500 refundable ticket, pay $50 on my card and 45K in miles, when I cancel the ticket, I'll get the $50 back on my card and a $450 ecert? If so, I'll be doing this for all my future PWM travel, once I got the logic with mqms and upgrade potential. sweet deal.